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5 Tips for Buying Schengen Visa Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

1. Decide which type of insurance you’d like

2. get multiple quotes, 3. use this as an opportunity to maximize credit card bonus points, 4. double-check the policy before purchasing, 5. consider using a credit card that provides trip insurance instead of buying a new policy, if you’re looking to buy travel insurance for a schengen visa.

Travel insurance can be a very important accompaniment to your trip, especially when you’re traveling throughout multiple countries. Europe is a prime example of this, where the border-free Schengen zone allows you to traverse multiple countries without passing passport control. Finding Schengen visa travel insurance isn’t always simple, however, and you’ll want to ensure that you have coverage regardless of your location.

There are plenty of things to think about before buying travel insurance when traveling throughout Europe, including: the coverage you’re looking for, how you’ll be paying and whether your credit card already offers insurance.

Let’s take a look at Schengen travel insurance and five easy tips for making sure you’re good to go — no matter where you travel within the region.

Although there aren’t generally any Schengen visa travel insurance requirements, there are multiple types of travel insurance coverage available depending on your needs. Consider carefully the type of coverage you’re looking for. Common types includes:

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

Note that the U.K. left the Schengen zone a few years ago, so you’ll want to double-check whether coverage in the U.K. is valid for your travel insurance policy.

» Learn more: Is travel insurance worth it?

It’s always in your best interest to get multiple quotes before purchasing insurance. The amount you’ll pay will be heavily dependent on the type of coverage you receive, its length and any deductibles that you may have.

Cancel For Any Reason insurance, or CFAR, allows you to recoup most or all of your nonrefundable costs — no matter why you’ve chosen not to travel.

There are plenty of different websites that’ll allow you to compare different insurance plans such as TravelInsurance.com or SquareMouth.com (a NerdWallet partner), which will gather together multiple quotes in one easy search.

There are several details you’ll need to have on hand when looking for quotes. These include:

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

Once you’ve got all your information gathered together, it’s simple to find a policy that fits your need for travel insurance in the Schengen zone on one of the comparison websites.

» Learn more: What is travel insurance?

If you’re planning a vacation to Europe, hopefully you’ve already acquired a travel credit card or two. However, cards that focus on travel rewards won’t necessarily optimize insurance purchases.

» Learn more: How to choose a credit card for Europe travel

In this case, you’ll want to double down on rewards with a card that’ll maximize everyday spend. These cards will give you bonus points on all purchases, no matter their category. Great options for this include:

Capital One Venture Rewards Credit Card : Earn 2x Capital One Miles per dollar spent on all purchases.

Citi Double Cash® Card : Earn 2% cash back in the form of Citi ThankYou points on all purchases: 1% when you make your purchase and another 1% when you pay your bill. Plus, through the end of 2024, cardholders can get 5% cash back on hotel, car rentals and attractions booked through the Citi Travel portal .

Chase Freedom Unlimited® : Typically earn 1.5% cash back on all non-bonus category purchases.

The Blue Business® Plus Credit Card from American Express : Earn 2 American Express Membership Rewards on the first $50,000 in purchases each year. Terms apply.

Pair your Chase Freedom Unlimited® card with a Chase Sapphire Preferred® Card card or Chase Sapphire Reserve® card to unlock the full suite of Chase Ultimate Rewards® transfer partners. This strategy is sometimes referred to as the Chase Trifecta .

While you likely won’t be earning a ton of points for your travel insurance purchase (unless your costs are exorbitantly high), maximizing your earnings is always a good idea. Don’t leave money on the table.

» Learn more: The best travel insurance companies

Not all travel insurance policies are created equal. This is probably no great revelation, but it’s definitely something of which you’ll want to be aware.

This is especially pertinent when it comes to the current travel climate in the COVID-19 era. While you may purchase a health insurance plan that covers most medical costs, it may specifically exclude those incurred by COVID-19. And even if it does reimburse you for any hospital costs, it may not pay for a forced quarantine in the event of illness.

These are things you’ll want to check for when buying travel insurance for any trip. Be sure to read the terms and conditions of your policy carefully, and if there’s very specific coverage you’re looking for (such as that offering protection in the event you catch COVID-19), you can often use search filters to narrow down your options.

» Learn more: Is there travel insurance that covers COVID quarantine?

One great feature of travel credit cards is the complimentary trip insurance they often provide. In order for your trip to be eligible for coverage, you’ll need to use the card to pay for your trip. In exchange, however, you can receive some pretty powerful benefits without needing to pay out of pocket.

The Chase Sapphire Preferred® Card card, for example, provides primary rental car insurance. This means that when you decline the insurance offered at the counter, your entire rental will be covered against collision up to the actual value of the rental car.

What’s most powerful about this feature is that, as primary, it comes before your own personal insurance — possibly saving you expensive premium jumps and claims on your policy.

Other cards that include powerful travel insurance protection such as interruption, cancellation or baggage coverage include The Platinum Card® from American Express and the Chase Sapphire Reserve® card. Terms apply.

» Learn more: The cheapest flights to Europe on points

It makes sense to purchase travel insurance in many circumstances, especially with the uncertainty in today’s travel world. Take advantage of these five tips to make sure you’re properly prepared for your trip — whether you’re heading to France, Finland or any of the over two dozen Schengen countries.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

schengen travel health insurance for visa

Europ Assistance

Get Your Schengen Insurance

  • Hospitalisation expenses up to 30,000€
  • Assistance in the event of illness/injury and death
  • Coverage in the Schengen area

Extend Your Coverage

  • Hospitalisation expenses up to 60,000€
  • Assistance in the event of illness/injury and death
  • Coverage in the Schengen area + European Union
  • Return/relocation and lodging expenses of a companion

schengen travel health insurance for visa

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

schengen travel health insurance for visa

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

schengen travel health insurance for visa

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

schengen travel health insurance for visa

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

schengen travel health insurance for visa

If you wish to subscribe for more than 20 people, please contact us

Travel dates

  • Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

  • Hospitalisation expenses up to  60,000€
  • Coverage in the Schengen area +  European Union

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Schengen Travel Insurance

Traveling to a schengen area.

  • Double-check the expiration date on your passport, paying particular attention to the validity of childrens passports, whic are only valid for five years.
  • Make sure your passport is valid for at least six months beyond your intended return date
  • Always carry your passport with you when traveling to other countries within the Schengen Area. While there may not be any border checks at the time of your travel, officials have the authority to reinstate border controls at any time, without prior notice.

Schengen Travel Insurance of which AXA is a leading provider, covers you in all 27 Countries within the Schengen Territory that have abolished internal border controls for their citizens. The countries are:

schengen travel health insurance for visa

Do I need travel insurance while traveling to Schengen Countries?

What do I receive with my Schengen travel insurance?  

What countries are covered under my axa travel plan, how can axa help with your trip to europe, how to get a travel protection quote.

Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8AM-7PM Central Time  

Does AXA Travel Insurance provide coverage for Schengen Visa?

AXA Gold and Platinum plans offer the necessary medical and assistance coverage in all 27 countries in the Schengen Territory.   However, the Gold and Platinum plans only provide coverage up to 60 – 90days.

What should I do if I have a medical issue while in the Schengen Area?

Please contact the local authority as soon as possible. Then contact us on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy. If you require assistance while traveling, call us at +1312-935-1719

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

licensed agents available

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

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Schengen visa for the Netherlands

Schengenvisa.info

October 8, 2023 by Editorial office

Schengen visa health insurance

Schengen visa health insurance

What kind of insurance do I need for a visa application for the Netherlands?

Allianz Travel Risk Insurance

Take out Allianz Travel Risk Insurance for your foreign guest now!

√ Meets all requirements for a Schengen visa.

√ Medical costs covered up to € 30.000. Repatriation: all necessary costs.

√ You can change the policy in the meantime free of charge.

√ VISA GUARANTEE: You don't pay anything if your visa is rejected.

√ The certainty of the largest travel insurer in the world: Allianz Global Assistance.

Premium from € 2 per day

To apply for a Schengen visa for the Netherlands, you must have a medical travel insurance or have health insurance. This insurance reimburses medical costs you incur in the Schengen area. View the insurance requirements. 

Discover the carefree way to the Netherlands with the Allianz Schengen visa health insurance! Whether you come for a quick trip or book an extended stay, this insurance opens the doors to the Netherlands and Europe.

Do you not have a European passport and do you dream of the Dutch canals, the tulip fields or discovering Europe's charm? A Schengen visa is your key to this adventure, valid for a stay of up to 90 days in several European countries. But remember: such a visa requires proof of health insurance or travel medical insurance.

That is why Allianz offers an indispensable Schengen visa health insurance: Travel Risk Insurance. This insurance not only guarantees your visa, but also offers protection against unexpected medical costs during your European trip. Choose security and convenience with Allianz, and choose the basis for your carefree European adventure. Forget the worries, focus on the experience – with Allianz by your side.

Are you a seafarer? Or do you have a diplomatic passport? Then you do not need to provide proof of insurance (policy) with your Schengen visa application. In all other situations, yes.

Insurance requirements  

With you Schengen visa application you have to show proof of your insurance (policy). This may also be the cover page of the policy (in the Dutch language is fine). The document must state the following: 

  • The insurance is taken out in your name. 
  • The insurance is valid in  all countries of the Schengen area  and during your entire stay. 
  • hospitalization and treatment  
  • emergency treatment  
  • prescribed medication 
  • repatriation to your country of residence (also in case of death)

Don't have a Schengen visa health insurance? Or does your insurance policy not meet the requirements? You can quickly and easily take out a Schengen visa travel and health insurance policy that meets all requirements.

A sponsor, family member, friend or partner may also take out the insurance for you in the Netherlands. Make sure that your insurer refunds the premium if your visa application is rejected. 

Bring proof of insurance (policy).

Are you entering the Netherlands with your Schengen visa? Then you must be able to show proof of insurance that is valid for the entire period that you are in the Schengen area.  

Do you have a multiple-entry visa and are you traveling back to the Schengen area after your first trip? Then you must be able to show proof of insurance for the period that you are back in the Schengen area.  

Buy Allianz Schengen medical travel insurance online now

Do you need Schengen insurance for the Netherlands? Here you can take out an approved Schengen insurance for someone from abroad who can apply for a visa for the Netherlands. Now with visa guarantee! ( Visa guarantee: If your visa application is rejected, you do not have to pay for the insurance.)

Does a Schengen visitor come from Turkey, Syria, Lebanon, Egypt, Libya, Tunisia, Algeria or Morocco or from Europe? Then you only pay € 2 per day per person for this insurance. If you come from countries other than those mentioned or from outside Europe, you pay € 3 per person per day.

Schengen medical travel and health insurancev insurance for the Netherlands

The Travel Risk Insurance from Allianz (Schengen medical travel and health insurance) meets all requirements for applying for a Schengen visa (short stay visa for a maximum of 90 days) and is therefore always accepted by the embassy. A visa application can go so quickly and smoothly.

All the benefits of the Travel Risk Insurance – Schengen health insurance for the Netherlands:

  • Favorable premium of € 2 per person per day.
  • Visa Guarantee : No visa = premium return (you don't have to pay anything and the policy expires).
  • Policy and conditions in clear Dutch (English policy conditions and insurance statement are also possible).
  • Meets all visa requirements of the Dutch government (embassies and consulates) and Schengen countries.
  • You can change the policy free of charge before the commencement date.

schengen travel health insurance for visa

Premium medical insurance

schengen travel health insurance for visa

Take out medical travel insurance here!

The Travel Risk Insurance from Allianz Global Assistance is an international medical travel insurance for foreign travelers under the age of 70 who do not live in the Netherlands. The insurance is the best choice for applying for a Schengen visa and meets all requirements. 

Taking out Travel Risk Insurance is simple and fast. You will receive the policy within 24 hours by e-mail on working days (if you want it sooner, please call or send a message).

√ EU approved medical insurance for foreign travelers. √  Schengen visa guarantee : In case of visa rejection, you do not have to pay. √ Medical costs covered up to € 30.000. Repatriation: all necessary costs. √ Policy conditions in Dutch and/or English. √ Expandable with coverage for special sports and world coverage. √ Cancellation insurance is possible (provided the trip is booked with a Dutch tour operator).

Calculate premium Close immediately

Insurance Card Travel Risk Insurance   » Insurance conditions Travel Risk Insurance in Dutch  » Insurance terms and conditions Travel Risk Insurance in English  »

Allianz Global Assistance is the largest travel insurance and assistance provider in the world. The trusted address to take out medical travel insurance online!

Allianz Travel Risk Insurance for Schengen Visas

What is insured.

The 'Travel Risk Insurance' is a complete international medical insurance for foreigners. The travel insurance has a balanced coverage against the financial risks of illness and death, such as:

schengen visa

  • SOS charges (including assistance, rescue and search).
  • Medical expenses * (including hospital, specialist and doctors).
  • Repatriation (including ambulance plane and transport of mortal remains).
  • Burial or cremation costs and arrival of family.

* Medical costs are monetary compensation for doctors (fees) and costs of:

  • hospitalization;
  • operation and operating room use;
  • prescribed X-rays and radioactive irradiations;
  • prescription medications, bandages and massage;
  • medically necessary transport, including any medically necessary evacuation and transport from a ski slope.

Your travel documents (purchase costs, laissez-passer, replacement visa or other official travel document), replacement clothing and/or toiletries and damage to accommodation is also insured. The following is also covered:

  • illness, accident or missing person of the insured;
  • death of the insured, illness, accident or death of the insured's family not traveling with him;
  • death of a co-insured travel companion;
  • damage to property of the insured in the country of residence;
  • costs due to forced delay.

Frequently asked questions and answers about Schengen health insurance for the Netherlands (FAQ)

Read frequently asked questions and answers about Schengen visa health insurance here.

When applying for or collecting the Schengen visa for the Netherlands, the visa applicant must be able to demonstrate that medical insurance has been taken out. The reason for this is that the Schengen countries do not want to pay for any costs of a foreign guest, such as hospital costs. Moreover, insurance is a (financial) protection for someone who acts as guarantor.

The Schengen insurance must cover any expenses related to repatriation for medical reasons, urgent medical care and/or emergency hospital treatment. The insurance to be taken out must be valid for the entire Schengen area, have a minimum cover of €30.000 and cover the entire duration of the intended stay. Proof of the original insurance policy must be submitted when submitting the application or only when the visa is issued.

Yes, that is not a problem. You are then the policyholder (pays the premium) and the foreign guest is the insured.

You authorize the insurer for direct debit on the application form. The premium is usually debited from your payment account just before the start date of the insurance.

No, if a visa application is rejected and the insurance has not yet commenced, you will receive a full refund of the premium.

You will receive the policy digitally by e-mail (including the conditions). You can then e-mail the policy to your foreign guest.

Basically the same day or the next day. Requests received over the weekend will be processed on Monday.

Before the policy has taken effect, the start date and/or end date of the policy can be adjusted, no problem at all.

If there is a guarantee (the foreign guest stays with the guarantor), the travel insurance is also for the financial protection of that person. With a Dutch Schengen insurance you fall under Dutch law. Dutch insurers are subject to strict supervision and are usually more reliable than foreign insurers. That is a nice idea at high costs.

The Schengen travel insurance for foreigners provides cover for providing assistance, reimbursing extraordinary costs and medical expenses: – Assistance: you can count on professional help and advice 24 hours a day in the event of illness or accidents. – Repatriation: costs for repatriation (return to home country) due to illness or death. – Extraordinary costs: costs that must be incurred in an emergency (such as extra travel or accommodation costs) will be reimbursed. – Medical costs: medical costs as a result of an accident or illness incurred during the period of validity of the insurance are insured up to a maximum of € 30.000. – Dental costs: incurred as a result of an accident. – Theft of your travel documents. – Delayed arrival of the luggage.

Ailments and complaints that already existed on or before the commencement date of the insurance are not insured and are therefore not eligible for compensation. The Schengen insurance for foreigners is only intended for sudden and unexpected medical costs in the Netherlands or other Schengen countries.

Schengen visa health insurance

Related posts:

  • Take out Schengen insurance
  • Schengen medical travel insurance
  • Schengen visa insurance from € 2 per day
  • Schengen visa insurance
  • Foreign visitor insurance

Schengen visitor insurance (Schengen visitor insurance)

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The sole purpose of this website is to provide practical information about a Schengen visa. We are not affiliated with the EU, the Dutch government or the IND. No rights can be derived from the texts on this website. Always check with the official authorities for the most recent information and regulations.

Visa Traveler

Exploring the world one country at a time

How to Buy Schengen Travel Insurance from VisitorsCoverage: A Step-by-Step Guide

Updated: September 8, 2023

How to buy Schengen travel insurance from VisitorsCoverage

VisitorsCoverage is a travel medical insurance broker headquartered in the US. They sell insurance for all international travel including US trips and Schengen Visa. 

VisitorsCoverage’s Europe Travel Plus meets all the requirements of Schengen visa insurance such as the minimum policy cover, copay and visa letter. 

VisitorsCoverage is also the cheapest Schengen travel insurance, costing about $1 per day. 

In this article, you will learn how to buy Schengen travel insurance from VisitorsCoverage and how to cancel and get a refund in case of visa refusal. 

Table of Contents

Documents needed before starting the purchase.

Keep the following documents handy before you start the purchase.

  • Your passport
  • Your travel dates
  • A credit or debit card

Steps to Buy Schengen Travel Insurance

VisitorsCoverage Schengen Visa Insurance - Start

  • Go to the VisitorsCoverage Europe Travel Plus page
  • Click on the green “Buy” button.

You will be taken to the “Purchase Your Policy” page.

Step 1: Enter Your Trip Details

VisitorsCoverage Schengen Visa Insurance - Purchase Your Policy

Enter the following information on the “Purchase Your Policy” page.

Section: Enter your trip details

  • Destination Country [ Comment: Select your main Schengen country of application ]
  • Citizenship [ Comment: Select your country of citizenship as per your passport ]
  • Residence / Home Country [ Comment: Select your country of residence ]
  • Coverage Start Date [ Comment: Select the policy start date ]
  • Coverage End Date [ Comment: Select the policy end date ]
  • Arrival Date [ Comment: Select your trip start date, which can be the same as the coverage start date ]

Destination Country Select the main Schengen country where you will be applying for your visa. For example, if you are applying for a Schengen visa at the France embassy or consulate, select “France” as your destination country.

Section: Enter travel information

  • Traveler 1: Date of Birth [ Comment: Enter your date of birth as per your passport ]

Add more travelers and their date of birth by clicking on the + button. 

Section: Where can we email your policy details?

  • Email Address [ Comment: Enter the email address where you would like to receive your policy documents ]

Click on the blue “Continue” button.

You will be taken to the “Coverage Details” page. 

Step 2: Choose Your Coverage

VisitorsCoverage Schengen Visa Insurance - Choose Your Coverage

Section: Choose your deductible and policy maximum.

  • Deductible [ Comment: Select $0 ] 
  • Policy Maximum [ Comment: Select at least $50K ] 

Deductible A deductible of $0 will be selected by default. Even then, make sure $0 is selected. $0 deductible is the Schengen visa insurance requirement. If you choose a different amount, the insurance will not be accepted for your Schengen visa. 

Policy Maximum A policy maximum of $50,000 will be selected by default. You can increase your coverage if you prefer. But $50,000 is the minimum requirement for a Schengen visa. 

Section: Do you require any additional coverage?

You can select the below additional coverage if necessary. But these are not required for a Schengen visa.

  • Aventure Sports Rider [ Comment: This additional coverage may be beneficial if you plan to engage in adventure sports during your Europe trip ]
  • Personal Property and Liability Rider [ Comment: This additional coverage may be beneficial if you prefer to insure your electronics, etc. ]

You will be taken to the “Applicant Details” page.

Step 3: Enter Applicant Details

VisitorsCoverage Schengen Visa Insurance - Applicant Details

Section: Provide additional travel information

Traveler 1: Primary Applicant

  • First Name/Given Name [ Comment: If your passport has a Given Name, enter the given name here. If your passport has a First name, enter your first name here ]
  • Middle Name [ Comment: If your passport has a Middle name, then enter the middle name here. Else leave it blank ]
  • Last Name/Surname [ Comment: Enter your last name or surname as per your passport ]
  • Gender [ Comment: Enter your gender ]

Traveler 2: 

If you have more than one traveler in your policy, enter their details.

Section: Home Country Address

Enter your current residential address in the following fields. 

  • Address 1 [ Comment: Enter address line 1 of your current residential address ]
  • Address 2 (optional) [ Comment: Enter Address line 2 of your current residential address ]
  • City [ Comment: Enter your city ]
  • State [ Comment: Enter your state ]
  • Zip/Postal Code [ Comment: Enter your postal code ]
  • Country [ Comment: Enter your country ]

Enter your current mobile phone number in the following fields.

  • Country Code [ Comment: Enter the country code of your phone number ]
  • Mobile Phone Number [ Comment: Enter your mobile phone number ]

Section: Communication Preferences

In this section, select how you would like to receive your purchase confirmation, policy documents and visa letter. 

Email is mandatory, but you can also opt for phone or WhatsApp. 

Section: Provide an AD&D Beneficiary

Enter the information of the beneficiary who will receive the benefits in case of accidental death of the insured. 

  • Beneficiary Name [ Comment: Enter the beneficiary’s full name as per their passport or ID card ]
  • Relationship [ Comment: Select the relationship of your beneficiary ]

Section: Acknowledgement

Check the box to confirm that you have read and understood the coverage information. 

You will be taken to the “Review and Pay” page.

Step 4: Review Application and Payment

VisitorsCoverage Schengen Visa Insurance - Review and Payment

Section: Review the details of your application

Review all the information you have entered so far. Make sure the information is as per your passport. 

Section : Enter your card details

In this section, enter your card details for payment. 

Section : Enter the billing address

In this section, enter the billing address associated with your credit/debit card entered above.

Section : Complete your purchase

In this section, check all three boxes. 

Click on the green “Complete your purchase” button.

VisitorsCoverage Schengen Visa Insurance - Email Confirmation

Once your purchase is complete, you will receive an email confirming your purchase. 

Steps to Download Visa Letter and Coverage Letter

You can download your visa letter and coverage document from the customer portal dashboard. You only need these two documents as proof of travel insurance for Schengen visa .

To go to the customer portal, you can click on the “Sign In” button in the email. Or you can follow the below steps.

Log into Customer Portal

VisitorsCoverage Schengen Visa Insurance - Customer Portal Login

  • Go to the VisitorsCoverage Customer Portal page
  • Log in using your Policy ID and Date of Birth or using your Email.

Once you log in, you will see your policy details such as the names, policy types, coverage duration, etc.

Download your Visa Letter

VisitorsCoverage Schengen Visa Insurance - Download Visa Letter

In the “Download Policy Documents” section, click on “Visa Letter” to download the visa letter for your Schengen visa. 

You can also download the coverage letter from IMG International by clicking the “Cover Letter” button. 

Sample Visa Letter from VisitorsCoverage

VisitorsCoverage Schengen Visa Insurance - Sample Visa Letter

Sample Coverage Letter from IMG International

VisitorsCoverage Schengen Visa Insurance - Sample Coverage Letter

Steps to Cancel Your Policy in Case of Visa Refusal

In order to get a full refund, you must cancel your policy before the insurance start date. If your visa is refused, cancel your policy right away to avoid any issues with your refund.

Follow the below steps to cancel and receive a full refund of your policy. 

  • Go to VisitorsCoverage Customer Portal

Initiate Policy Cancellation

VisitorsCoverage Schengen Visa Insurance - My Account Cancel Policy

Within the “My Account” dashboard, click on the “Cancel Policy” button.

Step 1: Cancel Your Policy

VisitorsCoverage Schengen Visa Insurance - Cancel Your Policy

  • Travel plans changed
  • Found a cheaper plan
  • Purchased a wrong policy
  • Accidentally submitted incorrect information
  • Concerned with Coronavirus
  • Select the cancellation date [ Comment: Select the most recent date so you can get your refund as soon as possible ]

You will be taken to the “Verify and Submit” page.

Step 2: Verify and Submit

VisitorsCoverage Schengen Visa Insurance - Verify and Submit

  • Are you the primary policy holder? [ Comment: Select “Yes” ]
  • Send code to: [ Comment: Select your email from the dropdown ]

Click on the blue “Send Code” button.

VisitorsCoverage Schengen Visa Insurance - Verify and Submit

Check your email for the verification code.

  • Enter your verification code [ Comment: Enter the verification code that you received to your email ]

Click on the blue “Verify” button

VisitorsCoverage Schengen Visa Insurance - Verify and Submit

Then click on the red “Cancel My Policy” button.

Step 3: Cancellation Success

VisitorsCoverage Schengen Visa Insurance - Cancellation Success

You will be shown that your policy cancellation request was successfully submitted.

VisitorsCoverage Schengen Visa Insurance - Cancellation Success Email

You will also receive emails from VisitorsCoverage and IMG International confirming your cancellation and refund. Save those emails as a reference if you need to contact VisitorsCoverage for any issues with refunds. 

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Schengen Visa Travel Insurance (2024 Guide)

Josh Lew Photo

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez Photo

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

The Schengen area is an alliance of 27 European countries that allows border-free travel. It covers most of mainland Europe, including 23 European Union countries and four members of the European Free Trade Alliance.

Travel insurance is a requirement for the Schengen visa application process. You need at least €30,000 (US$32,800) in coverage in case you need medical attention during your stay in Europe, and you have to purchase coverage and obtain a certificate showing insurance to include with your visa application. Read on to learn more about the unique requirements of a Schengen visa and the role travel insurance plays in the application process.

Which Insurance Provider is Best for Schengen Visa?

Use the table below to compare the top recommended choice for travel insurance for a Schengen visa.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Is Insurance Required for a Schengen Visa?

With a few exceptions, travelers from the U.S. do not need a visa for the Schengen area if staying for 90 days or less. Americans visiting for over three months, permanent residents without citizenship and foreign nationals traveling from the U.S. will need a Schengen visa if they are citizens of a country without a visa-free arrangement with Schengen countries.

The countries in the Schengen area are: Austria , Belgium, Croatia, Czech Republic, Denmark , Estonia, Finland, France , Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Slovakia,  Spain, Sweden and Switzerland. Bulgaria, Cyprus, Ireland and Romania are currently not Schengen countries.

Travelers from the U.S., Canada , and other visa-exempt countries only have to go through immigration and customs in the first country they visit in the Schengen zone. After that, they can travel to any other nation in the alliance without taking out their passport. For instance, you can fly, drive or take a train from Sweden all the way to Spain on the same visa.

Citizens from visa-exempt countries like the U.S. don’t need a visa or travel insurance to visit Europe. However, because of the high price of healthcare in Europe, travel insurance is still a good idea for visa-free travelers. But note that if you have to visit with a Schengen visa, you need to meet specific health insurance mandates.

Schengen visa holders must have comprehensive health insurance coverage. It should last for the length of their stay in the area (but does not need to cover the duration of the visa).

When you apply for a Schengen visa at the consulate or embassy of the country you plan to visit first or spend most of your time in, they will explain the specifics of the travel insurance requirements. You will need proof of a travel insurance plan for visa approval.

Schengen Visa Insurance Requirements

Schengen visa applicants need travel medical insurance . However, the policy must have specific features and minimum limits for medical coverage and medical evacuation.

Here is a closer look at the requirements for Schengen visa eligibility.

  • Medical emergency insurance
  • Repatriation coverage for death
  • Medical evacuation insurance if you need long-term care in your home country
  • Coverage limits of at least €30,000 (US$32,000)
  • Coverage lasting for the entire length of your stay in the Schengen area

The purpose of these requirements is to ensure you can pay for medical treatment without requiring assistance from your host country’s healthcare system.

You need a document from your travel insurance company as proof that you have a visa-compliant policy. This insurance certificate shows that you have met the minimum requirements. It is a vital part of your visa application, and you won’t gain approval without it.

Types of Travel Insurance Policies

Schengen visa insurance plans focus on medical expenses, but travel policies can also offer other protections. Comprehensive travel insurance covers additional risks, including those related to cancellations and delays.

Here is a look at the different travel insurance coverages.

  • Medical, evacuation and repatriation coverage is required for visa approval.
  • Trip cancellation insurance provides reimbursement if your trip gets canceled due to covered reasons, such as an unexpected illness or injury or a crisis or disaster in your European destination.
  • Trip delay and interruption coverages pay for expenses related to delays or incidents that cancel your journey earlier than planned.
  • Baggage delay or loss reimburses you for missing items so that you can replace necessities and continue your travels.
  • Add-ons to standard policies may include rental car insurance, pre-existing condition coverage and insurance for exclusions from standard insurance like scuba diving or climbing.

Schengen visa applicants can purchase travel insurance with comprehensive coverage to protect the non-medical aspects of their trip. International travel can be expensive, so cancellation insurance and other protections available through a complete travel policy can save you from frustration and financial loss.

Choosing the Right Schengen Visa Insurance

There are several factors to consider when selecting travel insurance.

  • Coverage limits are the maximums that the insurer will pay for each claim type. Schengen visas require €30,000 (about $32,800) in medical emergency, evacuation, and repatriation insurance, but you can get a policy with higher limits if you wish.
  • Pre-existing conditions are another important factor. Insurers may or may not cover them on a standard policy, but those that do not provide coverage directly may sell waivers that add coverage for your conditions.
  • Deductibles are another factor to consider. This amount is an out-of-pocket payment you have to make before the insurer takes over payment. Some low-cost policies have high deductibles.

Finally, you should always get insurance with a reputable company that can provide the necessary documentation for your visa application.

Here are six reputable insurers to consider.

  • Travelex offers budget and mid-range plans for international travelers. You can opt for both medical and trip cancellation coverage.
  • Trawick International travel insurance offers stand-alone medical and cancellation policies, so you can opt for minimum requirements for your Schengen visa if you wish.
  • AIG Travel Guard offers several tiers of travel insurance, all of which offer comprehensive coverage and provide optional add-ons.
  • Seven Corners has customizable travel plans that include medical emergency, evacuation, and repatriation coverage necessary for a Schengen visa
  • IMG offers stand-alone medical insurance policies and separate plans providing cancellation, lost baggage and delay benefits.

Use our insurance comparison tool to find the prices and coverage details for each of these insurance providers.

Applying for Schengen Visa with Travel Insurance

You apply for a Schengen visa at the consulate or embassy of the country you intend to travel to first or spend most of your time during your stay.

You must purchase a policy that covers the entire duration of your stay and is valid throughout the Schengen area, not just in the countries you plan to visit.

You need proof of insurance to include with the rest of application documents when applying for the visa. This means you need to purchase the insurance before submitting your application. You should only choose insurance companies able to provide the necessary documentation to include with your application.

Additional Expert Tips

There are some other considerations for Schengen visa insurance.

First, you should make copies of your insurance card, policy documents and other information and bring them with you on your trip.

Second, regulations require that you have coverage for the entire duration of your stay. If you have a multi-trip visa, you will need insurance that provides benefits for the entire stay. The best option in these cases is to get an annual or multi-trip policy that meets visa requirements for coverage types and limits.

Before leaving, you should perform a thorough policy review to ensure you have the appropriate coverage. You can consider the potential costs of medical care in your host countries and decide if the coverage you have is sufficient.

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Frequently Asked Questions About Schengen Visa Insurance

Do you need travel insurance to visit schengen countries.

Travelers from visa-exempt countries can visit Europe without insurance, though they would not be protected from medical expenses or cancellations. However, those requiring a Schengen visa need €30,000 worth of medical coverage for approval.

Is Schengen travel insurance refundable?

You would be able to cancel your insurance if your visa application is not approved. Most companies will allow you to cancel the policy and get a full refund if you show evidence that your visa application was not approved.

Does travel insurance cover all of Europe?

Travel insurance for a Schengen visa must cover all 27 countries. However, some travel insurers may require that you specify all the countries you plan to visit to get comprehensive coverage.

What are the benefits of Schengen visa insurance?

In addition to being a requirement for the visa application process, Schengen insurance will cover medical costs if you get sick or suffer an injury during your Europe travel experiences. While travel health insurance is the only necessary policy component for the visa application, you can get additional benefits by purchasing a comprehensive policy.

If you have questions about this page, please reach out to our editors at [email protected] .

schengen travel health insurance for visa

Schengen Travel Insurance: Requirements 2023

Last Updated : 29 Apr 2024

Last Updated : 29 Apr 2024 at

30-Second Summary

Travel health insurance for Schengen visas is a mandatory requirement, providing coverage for medical emergencies during your Schengen Area visit.

These are the Schengen EU travel insurance requirements:

Minimum medical coverage of €30,000 (approximately $32,200 USD as of November 2023).

Coverage must extend to all Schengen Area member states.

Includes expenses for medical repatriation, urgent medical attention, emergency hospital treatment, and repatriation in case of death.

Travelers to Europe should be able to handle and pay for medical care in the event of an accident, injury, or other unexpected incidents.

Having travel insurance to cover unforeseen expenses that emerge while traveling has been shown to provide financial support and comfort, allowing travelers to continue their adventure without worry.

What is Schengen Travel Insurance?

Schengen travel insurance is a type of insurance coverage that is mandatory for travelers who need to obtain a Schengen visa for Schengen areas , which encompasses 27 European countries.

It's designed to provide financial protection and access to healthcare services in case of unexpected events during your trip.

The following is an excerpt from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of July 13 2009,” which became effective on April 5, 2010:

“… 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 Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Who Is Required To Purchase European Travel Health Insurance?

Travel insurance for Schengen visa is required for tourists, business travelers, visitors, students, researchers, and anyone applying for a Schengen visa. Failure to have the required insurance may result in visa rejection or entry denial .

Visa-free travelers from eligible countries do not require a Schengen visa to visit Schengen Area countries for short stays (typically up to 90 days within a 180-day period ). However, they ares still encouraged to have Schengen travel insurance.

Why Is It Required?

Schengen travel insurance is a visa requirement for most travelers visiting the Schengen Area.

It ensures that you have adequate coverage for any medical emergencies or unexpected situations, thereby reducing the burden on the host country's healthcare system.

Benefits of Schengen Travel Insurance

Having Schengen travel insurance offers numerous advantages, including:

Peace of mind knowing you're financially protected.

Access to quality healthcare services.

In some cases, assistance in case of trip cancellations, delays, or lost luggage.

Schengen Visa Insurance Requirements

For the Schengen visa medical insurance must meet the following requirements :

Minimum Coverage Amount: Travelers are required to have Schengen visa insurance with a minimum coverage amount of €30,000. This coverage amount ensures that you are financially protected in case of medical emergencies, accidents, or other unexpected events during your stay in the Schengen Area.

Coverage Validity: The insurance coverage must be valid for the entire duration of your intended stay within the Schengen Area. It should start from the date of your entry into the Schengen Zone and end on the date of your planned departure.

Comprehensive Coverage: The insurance policy should offer comprehensive coverage, including emergency medical expenses, hospitalization, medication, and emergency medical transportation. It should also cover repatriation, which involves the cost of returning the insured person to their home country in case of a severe medical condition or fatality.

Coverage for Trip Cancellations and Delays: Schengen visa insurance should provide compensation for non-refundable expenses in case your trip is canceled or delayed due to covered reasons, such as illness or unforeseen events.

Exclusions and Pre-existing Conditions: It's essential to review the policy's terms and conditions to understand any exclusions or limitations, especially regarding pre-existing medical conditions. Most standard Schengen travel insurance policies do not cover pre-existing medical conditions, but some providers offer options to include coverage for pre-existing conditions for an additional fee.

Insurance Provider Information: When you submit your Schengen visa application, you must include documentation proving that you have purchased a valid Schengen visa insurance policy. This typically includes a copy of the insurance policy itself and a certificate or letter from the insurance provider confirming your coverage.

Schengen Countries Covered: Ensure that the Schengen visa insurance policy covers all the Schengen countries you plan to visit during your trip.

Renewability: If your stay in the Schengen Area extends beyond your initial visa period, it's important to have a policy that can be renewed or extended to cover the additional time.

The necessary insurance certificate required when applying for a Schengen visa is provided by travel insurance providers AXA, MondialCare, and Europ Assistance.

You can also get the appropriate travel insurance through AtlysBlack , when applying for your visa. This makes the process super easy and stress-free.

Choosing the Right Insurance Plan

Selecting the right insurance plan requires careful consideration:

Factors to Consider

Coverage limits : Ensure the plan covers your anticipated expenses.

Deductibles : Understand how much you need to pay before the insurance kicks in.

Additional benefits : Look for features like trip interruption coverage or coverage for pre-existing medical conditions.

Comparing Insurance Providers

Research different insurance providers, read reviews, and compare their offerings to find the plan that suits your needs and budget.

Tailoring the Plan

Customize your insurance plan to your specific travel requirements. For example, if you're an adventure enthusiast, make sure you have coverage for risky activities.

Cost Considerations

Shop around : Compare quotes from different insurance providers.

Avoid unnecessary coverage : Choose coverage that aligns with your needs.

Be mindful of hidden fees : Read the fine print to understand any additional charges.

What Companies Offer Schengen Travel Insurance?

To begin with, the health insurance Schengen visa coverage that you may already have through your job contract may cover overseas medical emergency expenses; however, there are usually restrictions on what is covered. As a result, if you have a medical problem in the Schengen territory, you should know what to expect and what not to expect.

Typically, travelers obtain an individual Schengen travel insurance coverage from the appropriate insurance provider for the days they want to spend in Europe.

Make sure that the company you choose is licensed and accepted in the Schengen countries you are traveling to.

We propose AXA, MondialCare, or Europ Assistance for Schengen visa insurance. All of these businesses are recognized by European embassies and consulates around the world. If you have documentation that your visa has been rejected, you can also cancel it for free.

What Is The Cost Of Schengen Insurance?

The price of Schengen travel insurance varies from one provider to the other. AXA Schengen's premiums are listed below.

AXA Schengen's premium travel insurance prices

Seniors Traveling to Europe Should Get Travel Insurance

Where can seniors (over 75) get schengen travel insurance.

AXA, MondialCare, and DR-WALTER, among the best and most recognized travel insurance firms, offer Schengen insurance with no age restrictions. These companies provide reasonable and adequate travel insurance plans for retirees traveling to Europe.

To get a senior citizen a Schengen travel insurance policy, you must:

Visit the websites of AXA, MondialCare, or DR-WALTER, which are among the firms that provide it.

For Seniors Over 75, the Best Schengen Travel Insurance Plans

Travel insurance prices for seniors on AXA

When I Get Schengen Visa Travel Insurance, Would I Be Protected For Covid-19?

The majority of travel insurance policies are designed to protect consumers against unforeseen catastrophes such as sudden illnesses or bodily injuries. Therefore, epidemics and infectious diseases like CoVid-19 are usually ruled out.

In most European countries, you will receive free medical care in an emergency. So, in the instance of Covid-19, you might be covered by National Health Services, but you won't be able to seek a refund from your insurer if costs are applied.

What is Typically Included in a Schengen Insurance Policy?

A comprehensive travel insurance policy for the Schengen Area typically covers the following expenses :

Medical emergencies (accidents or illnesses) during your stay in the Schengen Area.

Emergency evacuation.

Repatriation of remains.

Return of a minor.

Accidental death, injury, or disability benefits.

Overseas funeral expenses.

It's worth noting that many insurers also provide coverage for pregnancy-related expenses if the travel occurs during the first trimester, but coverage may vary after that period, depending on the insurer's policy.

How to Discover The Cheapest Travel Insurance For Schengen Visa?

When seeking budget-friendly travel insurance for your European trip, it's essential to conduct thorough and individualized research. This involves online searches to identify suitable medical insurance policies. It's advisable to compare various products and insurance companies to determine which one offers the most cost-effective Schengen visa travel insurance.

It's crucial not to equate price with quality, as not all low-cost travel insurance plans compromise on service quality, and not all expensive plans guarantee top-notch coverage. Therefore, the wisest approach is to select a policy that not only fits your budget but also meets all the requirements specified by the Schengen visa application.

How to Include Travel Insurance in Your Visa Application?

To successfully obtain a Schengen visa, you must follow these steps related to travel insurance:

Choose a Valid Insurance Policy: Select a Schengen travel insurance policy that meets the specific requirements of the Schengen Area. Ensure it provides the necessary coverage and is valid for the entire duration of your stay.

Documentation: Prepare the required documentation, including a copy of your insurance policy and a certificate or letter from the insurance provider confirming your coverage.

Submission: Submit your Schengen visa application along with the insurance documents as part of your visa application package.

Travel medical insurance for Schengen visa is not just a requirement but a vital component of your travel plans to the Schengen Area.

By understanding the insurance requirements, choosing the right policy, and ensuring proper documentation, you'll be well-prepared to embark on your European journey with confidence and peace of mind. Don't leave home without it!

Government Sources

At Atlys, we thoroughly check every detail for precision. Our information is derived directly from reliable governmental sources, ensuring its genuineness. This article is designed using AI to provide clear and concise insights.

Travel.State.GOV

Frequently Asked Questions

Your existing travel insurance may not meet Schengen visa requirements. It's advisable to purchase a dedicated Schengen travel insurance policy that complies with the specific criteria set by Schengen countries.

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  • Schengen countries

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

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1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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schengen travel health insurance for visa

What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

  • You must complete an online application and pay a small fee for an ETIAS authorization.
  • The authorization is tied to your passport and is valid for three years or until your passport expires.
  • With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
  • ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
  • The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

  • Valid passport: Your passport must be valid for at least three months after departure.
  • Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
  • Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
  • Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
  • Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

  • Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
  • Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
  • Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
  • 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

  • Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
  • Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
  • Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

  • The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
  • Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
  • You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
  • If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

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schengen travel insurance

SCHENGEN TRAVEL INSURANCE

Our schengen travel insurance offers essential coverage for your trip, including the required insurance certificate for schengen visa applications, why is it crucial to have schengen insurance while travelling in europe.

Schengen Visa, which allows for travel within 26 European countries, comes with specific insurance requirements, as Schengen Visa Info outlines. Travellers must meet these requirements, which include coverage for emergency medical expenses, repatriation of remains, and a minimum coverage of €30,000. 

Medical costs in some European countries can be excessive. For instance, according to the World Health Organization, a single day's hospitalisation in Switzerland can cost around US$1,000. Having Schengen insurance is a must to avoid unexpected financial burdens.

This insurance isn't limited to a particular demographic; it's designed to offer coverage for global travellers, including  

  • Senior citizens up to the age of 85
  • Individuals traveling for work
  • Children between the ages of 1-18 and

Not every traveller needs a Schengen Visa for Schengen Area visits, given that countries such as the U.S.A., Mexico, Brazil, and Canada maintain visa-free agreements with the Schengen Zone. Nevertheless, it is highly advisable to secure insurance since your medical expenses, or any potential costs arising from unexpected incidents during your journey, may lack coverage without proper travel insurance. Opting for travel insurance is particularly beneficial if you intend to explore multiple Schengen countries or desire flexibility in your itinerary, offering comprehensive coverage across most European nations.

Why Choose Allianz Schengen Travel Insurance?

Our Schengen travel insurance will help you get your Schengen visa and offer protection while travelling in Europe.  You’ll receive the mandatory insurance certificate for your Schengen visa application. 

Different benefits  are available within this travel insurance product: 

  • Up to US$50,000 in emergency medical expenses in case of accident, sickness, illness or injury. 
  • Up to US$200 if your baggage is delayed.
  • Up to US$2,000 in case of trip cancellation. 

Insure your next European holiday, starting from AED 56 per person. 

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Everything you need to know about Schengen Travel Insurance

What does a schengen insurance policy usually cover .

 A Schengen insurance policy is a specific type of travel insurance designed to fulfil the visa requirements for individuals travelling to the Schengen Area. The Schengen Area comprises 26 European countries that have abolished passport control at their mutual borders, allowing for easier travel within the region. A Schengen insurance policy typically covers the following:

1. Medical expenses: Coverage for emergency medical expenses, including hospitalisation, surgery, and outpatient treatment. As Schengen visa regulations require, the policy usually covers a minimum amount, such as €30,000.

2. Emergency evacuation and repatriation : Coverage for the cost of emergency evacuation and repatriation to your home country in case of a medical emergency.

3. Repatriation of mortal remains: Coverage for the cost of repatriating the insured person's remains in the unfortunate event of death during the trip.

4. Travel assistance services : Access to 24/7 emergency assistance services, including a helpline for medical advice, travel assistance, and coordination of medical services.

5. Coverage for multiple Schengen countries : The policy should cover the entire itinerary if you plan to visit multiple Schengen countries.

6. Minimum coverage amount : Schengen insurance policies must meet minimum coverage amounts as specified by the Schengen visa requirements. As of my last knowledge update in January 2022, the minimum coverage is €30,000.

7. Emergency dental treatment : Coverage for emergency dental treatment due to an accident.

It's important to carefully review the terms and conditions of the Schengen insurance policy to ensure that it meets the specific requirements of the Schengen visa application. Additionally, check if the policy covers additional features or optional add-ons that may benefit your travel needs.

When considering a Schengen insurance policy, opt for a reputable and globally recognised insurance provider like Allianz Travel that offers comprehensive coverage for individuals travelling to the Schengen Area. You can benefit from a range of features designed to meet the specific requirements of Schengen visa applications. Schengen travel insurance from Allianz Travel includes coverage for medical expenses, emergency evacuation, repatriation, travel assistance services, personal liability, and more.

All Outbound travel insurance products from Allianz Travel UAE are schengen-compliant meaning all products meets the Schengen visa requirements. The Extra and Gold products however go beyond the basic Schenge coverages to offer maximum peace of mind.  

Does my Schengen travel insurance need to cover all Schengen are countries?

Yes, your Schengen travel insurance should typically cover all Schengen Area countries you plan to visit. When you apply for a Schengen visa, one of the visa requirements is proof of travel insurance that meets specific criteria. The insurance coverage is expected to be valid for your stay in the Schengen Area and should include coverage for medical emergencies and repatriation.

Key points regarding Schengen travel insurance coverage for multiple countries:

1. Coverage for the entire itinerary : The insurance policy should cover the entire duration of your stay in the Schengen Area, from entry to exit.

2. Minimum coverage amount: The insurance coverage must meet the minimum amount specified by the Schengen visa requirements. As of our last knowledge update in January 2022, the minimum coverage amount is €30,000.

3. Coverage for all countries : The policy should explicitly mention coverage for all Schengen Area countries you plan to visit. When purchasing the insurance, it's important to list the countries you intend to travel to.

4. Insurance certificate : The provider typically issues a certificate or confirmation letter specifying the coverage details, including the countries covered. This certificate is submitted as part of your Schengen visa application.

When obtaining Schengen travel insurance, communicate your travel itinerary and ensure the policy explicitly mentions coverage for all the Schengen space. This is crucial for meeting the visa requirements and ensuring adequate travel coverage within the Schengen Area. Always check the latest visa requirements and guidelines from the consulate or embassy of the country you are applying to, as they may be subject to change.

When obtaining Schengen travel insurance that covers all your needs across multiple countries, Allianz Travel emerges as a reliable choice. Allianz Travel offers comprehensive Schengen insurance coverage that aligns with the specific criteria set by Schengen visa requirements. Whether you're planning to explore the enchanting cities of Europe or embark on a multi-country journey within the Schengen Area, Allianz Travel provides policies that cater to your travel itinerary

What is excluded from a Schengen travel insurance policy ?

  •  Exclusions in a Schengen travel insurance policy can vary depending on the insurance provider and your specific policy. However, there are common exclusions often found in Schengen travel insurance policies. It's essential to carefully review the terms and conditions of your policy to understand what is excluded. Here are some common exclusions:
  • 1. Pre-existing medical conditions : Many Schengen travel insurance policies exclude coverage for pre-existing medical conditions. Any medical condition you had before purchasing the insurance may not be covered.
  • 2. Medical treatment not deemed necessary : Expenses for medical treatments not considered necessary by the attending physician or that can be postponed until your return to your home country may be excluded.
  • 3. Medical treatment resulting from intentional acts : Medical treatment resulting from self-inflicted injuries, suicide attempts, or participation in risky activities may be excluded.
  • 4. War and terrorism : Injuries, damages, or losses resulting from war, acts of terrorism, or participation in military activities may be excluded.
  • 5. Alcohol and drug-related incidents : Incidents related to the consumption of alcohol or drugs that a licensed medical professional does not prescribe may be excluded.
  • 6. Participation in hazardous activities : Injuries or incidents resulting from participation in high-risk or hazardous activities such as extreme sports or adventure activities may be excluded.
  • 7. Nonmedical coverage exclusions: Non-medical coverage exclusions may include events such as trip cancellations for reasons not specified in the policy, lost or stolen belongings, and other nonmedical incidents.
  • 8. Failure to follow medical advice : Expenses incurred due to your failure to follow the prescribed medical advice or treatment plan may be excluded.
  • 9. Excess/deductibles : Some policies may have deductibles or excess amounts, meaning you are responsible for a certain portion of the expenses before the insurance coverage takes effect.
  • 10. Pregnancy and childbirth : Some policies may exclude coverage related to pregnancy and childbirth, especially within a certain period before the expected due date.
  • It's crucial to carefully read the policy documentation and ask your insurance provider for clarification. Understanding the exclusions will help you make informed decisions about your coverage and ensure that you have appropriate protection for your travels within the Schengen Area.
  • When navigating the intricacies of Schengen travel insurance exclusions, choosing a reliable insurance provider prioritising transparency and comprehensive coverage is imperative. Allianz Travel stands out as a reputable and globally recognised option, offering policies that address the specific needs of Schengen visa applications while minimising uncertainties related to exclusions.

How long do I need Schengen travel insurance?

The duration you need Schengen travel insurance depends on your planned stay in the Schengen Area. Schengen travel insurance is typically required for your intended stay, including the entry and exit dates specified in your travel itinerary.

Here are some key points to consider regarding the duration of Schengen travel insurance:

1. Coverage period : The insurance coverage should be valid for the entire duration of your stay in the Schengen Area, starting from your entry date until your planned exit date.

2. Non-Flexible coverage : You cannot change the dates of your travel insurance once it is issued. That is why you need to make sure you have your final trip dates before you puchase your travel insurance.  You will not be able to renew your Schengen travel insurance while your trip has started : it is therefore important to know your dates before your purchase your policy..

3. Return to home country : The insurance coverage should lastuntil your planned return to your home country.

When securing Schengen travel insurance that aligns seamlessly with the duration of your stay, Allianz emerges as a dependable choice. Allianz Travel offers policies designed to cater to the unique needs of your travel itinerary, ensuring comprehensive coverage for the entirety of your visit to the Schengen Area.

Is there an age limit for Schengen travel insurance?

Schengen travel insurance has no strict universal age limit, as insurance providers' eligibility criteria vary. However, certain insurance companies may have age-related restrictions or considerations for travel insurance policies.

Here are some points to remember regarding age and Schengen travel insurance:

1. Age categories : Some insurance providers categorise age groups differently, offering specific policies for adults, seniors, and children. The terms and conditions, as well as coverage options, may differ based on these categories.

2. Elderly travellers : While many insurance providers offer coverage for elderly travellers, there might be age limits for certain policy features or types of coverage. It's essential to check with the insurer to understand any age-related restrictions.

3. Premiums and coverage options : Premiums for Schengen travel insurance may vary based on age. Elderly travellers may experience higher premiums due to potential health risks and the likelihood of medical expenses.

At Allianz Travel, we made it easy, you just need to follow our online booking funnel to see if you are eligible to purchase our Schengen Travel insurance. 

Can I get a Schengen visa without travel insurance? 

Travel insurance is mandatory for obtaining a Schengen visa. The Schengen visa application process requires applicants to provide proof of travel insurance that meets certain criteria. Travel insurance is considered an essential part of the visa application, and failing to provide adequate insurance may result in rejection.

Key points regarding Schengen visa and travel insurance:

1. Mandatory requirement : Schengen visa applicants must provide proof of travel insurance as part of the visa application process.

2. Minimum coverage requirements : The insurance coverage should meet specific minimum requirements, including a minimum coverage amount (commonly €30,000) and coverage for the entire duration of the intended stay.

3. Insurance certificate : Applicants must submit an insurance certificate or confirmation letter issued by the insurance provider, clearly stating the coverage details, including the coverage amount, coverage period, and countries covered.

Failing to provide the required travel insurance or submitting insurance that does not meet the criteria may lead to the rejection of the visa application.

At Allianz Travel, we provide the required Certificate of Insurance by email after you pruchased your travel insurance online. 

Selecting a dependable travel insurance provider is crucial when dealing with Schengen visa prerequisites. Allianz Travel distinguishes itself as a reputable and internationally acclaimed choice, presenting customised solutions that effortlessly adhere to the obligatory criteria set for Schengen visa applications.

Can I purchase Schengen travel insurance after arriving in the Schengen Area?

Can i get a refund on my travel insurance if my schengen visa application is refused.

Whether you can get a refund on your travel insurance after a Schengen visa application is refused depends on the terms and conditions of the insurance policy you purchased. In general, travel insurance policies have different refund policies, and it's essential to review the specific terms outlined in your policy documentation or contact your insurance provider for clarification. Here are some factors to consider:

1. Refund policies: Some travel insurance policies may have a refund provision in case of a visa refusal. This could be subject to certain conditions outlined in the policy.

2. Reasons for refusal: The refund eligibility may depend on the visa refusal. Some policies may only offer refunds in specific situations, such as visa denials due to unforeseen circumstances beyond the applicant's control.

3. Documentation requirements: You may need documentation confirming the visa refusal to request a refund. This could include the visa rejection letter issued by the consulate or embassy.

4. Cancellation period: Policies often have a specific period during which you can cancel and seek a refund. This period may vary among insurance providers.

5. Administrative fees: Some insurance providers may charge administrative fees for processing a refund request. Be aware of any associated fees that may apply.

6. Policy exclusions: Check the policy exclusions to understand if visa refusal is explicitly addressed as a covered event for refund purposes.

7. Communication with insurance provider: If you find yourself in a situation where your Schengen visa application is refused, promptly communicate with your insurance provider. They can provide guidance on the refund process and any applicable terms.

It's crucial to thoroughly review your insurance policy and contact your provider to understand the specific refund conditions and requirements. Remember that each insurance provider may have different policies, so that the refund process can vary. Additionally, check the policy's cancellation period and act within the specified timeframe if you decide to pursue a refund.

When facing the intricacies of obtaining a travel insurance refund post-Schengen visa application refusal, reviewing your policy's terms carefully is crucial. Allianz Travel emerges as a dependable and transparent insurance provider, offering a customer-friendly approach to the refund process. With a commitment to transparency, flexibility, and customer satisfaction, reaching out to Allianz Travel ensures reliable support during challenging situations. For a trustworthy solution, consider Allianz Travel as your go-to provider for confidently navigating the refund process.  

Do I need Schengen travel insurance as a passport-holding UAE resident?

The need to apply for a Schengen visa if you want to visit the Schengen space does NOT depend on your country of residence but on your nationality. 

For example: if you are an American citizen living in the UAE, you do not need to apply to a Schengen visa before your trip. You will get a visa on arrival. However, if your are an Indian citizen living in the UAE, you will need to apply for a Schengen visa before your trip. 

Therefore, you need to check what the requirements are for your nationality - if you plan to travel with friends, you may not need to follow the same steps even if you are travelling together on the same dates.

If you need a Schengen visa, then the visa requirements are the same for all when it comes to travel insurance:

1. Mandatory requirement : Schengen visa regulations typically mandate that applicants provide proof of travel insurance coverage as part of the visa application.

2. Minimum coverage requirements : The insurance coverage should meet specific requirements, including a minimum amount (commonly €30,000) and coverage for your intended stay in the Schengen Area.

3. Insurance certificate : You must submit an insurance certificate or confirmation letter from the insurance provider along with your visa application. This document should clearly outline the coverage details, including the coverage amount, coverage period, and countries covered.

4. Coverage for medical emergencies : The insurance should cover medical emergencies and repatriation, ensuring you have financial coverage in case of unexpected medical expenses during your stay in the Schengen Area.

Failure to provide the required travel insurance or submitting insurance that does not meet the specified criteria may result in rejection of your Schengen visa application.

Before securing Schengen travel insurance, it's advisable to carefully review the consulate or embassy requirements of the Schengen country you plan to visit. Allianz Travel's commitment to compliance, comprehensive coverage, and clear documentation makes them a trusted choice for meeting Schengen travel insurance requirements. 

Do I need COVID protection for my Schengen travel insurance?

COVID-19 travel insurance depends on each country - therefore there is not any specific requirement that covers all Schengen space countries. You need to check the particular country or countries you are planning to visit. 

Once you have checked what the COVID-19 requirements are for the country of destination, you can then check what the insurance provider covers - if somehting is unclear to oyu, do not hesitate to contact the travel insurance company who will be able to help you. 

Remember that travel regulations and insurance coverage related to COVID-19 may evolve, so it's essential to stay informed and check for any updates or changes in requirements before your trip.

Given the evolving nature of travel regulations and COVID-19 coverage. Allianz Travel's proactive approach, comprehensive coverage, and customer-focused communication make them reliable for addressing your COVID-19-related travel insurance needs. 

How do I make a claim? 

Claiming your Schengen travel insurance involves a series of steps, and it's important to follow the process outlined by your insurance provider. Below is a general guide on how to make a claim:

1. Review policy documents : Carefully review your policy documents to understand the coverage details, terms, and conditions. Take note of the specific events and situations covered and any exclusions.

2. Contact your insurance provider : Notify your insurance provider immediately after an event that may lead to a claim. Most insurance companies have a helpline or a claims department that you can contact for guidance.

3. Obtain claim form s: Request claim forms from your insurance provider. At Allianz Trave, you can submit your claim online here 

4. Complete claim forms : Fill out the claim forms accurately and provide all the required information. Include supporting documents, such as medical reports, police reports (if applicable), receipts, and other relevant documentation.

5. Submit claim documents : Submit the completed claim forms and supporting documents to the insurance company per their instructions. Some insurers may allow you to submit claims online or via email, while others may require physical documentation.

6. Claim processing : The insurance company will review your claim and assess whether it meets the criteria outlined in the policy. This process may involve verifying the details of the incident and checking the documentation provided.

7. Follow-up and communication : Stay in communication with the claims department. Be responsive to any requests for additional information or documentation. You may also receive updates on the status of your claim during the processing period.

8. Claim approval or denial : Once the insurance company completes its assessment, you will be informed of the claim decision. If the claim is approved, the insurer will provide details on the amount to be reimbursed. If the claim is denied, the insurer will provide reasons for the denial.

9. Reimbursement or payment : If your claim is approved, the insurer will arrange for reimbursement or payment per the policy terms.

It's important to initiate the claims process promptly and provide accurate and complete information to expedite the assessment. Keep copies of all documentation for your records, and maintain open communication with the insurance provider. Always refer to your specific policy documents for detailed instructions on the claims process, as procedures can vary among insurance providers. If you have any questions or concerns, don't hesitate to contact your insurance provider for guidance.

For a hassle-free claims process and reliable support, choose Allianz Travel. Their customer-focused approach, efficient communication, and commitment to transparency make them a trusted partner for addressing your Schengen travel insurance claims. 

 Is Allianz Travel Insurance safe? 

 Allianz is a well-established and reputable insurance company whose travel insurance products are generally considered reliable and trustworthy. Allianz is one of the largest and most recognised insurance providers globally, offering a range of insurance products, including travel insurance, to individuals and businesses.

Key points regarding the safety and reliability of Allianz Travel Insurance:

1. Financial stability : Allianz is known for its financial strength and stability. It is a leading global insurer with a strong financial standing, which is an important factor in evaluating the reliability of an insurance provider.

2 . Global presence : Allianz operates in many countries worldwide, and its global presence often contributes to its reputation for reliability and customer service.

3. Customer reviews : While individual experiences may vary, you can look at customer reviews and ratings to gain insights into the satisfaction of other travellers who have used Allianz Travel Insurance. Online reviews can provide valuable perspectives on the quality of service and claims processing.

4. Coverage options : Allianz offers a variety of travel insurance plans with different coverage options, allowing travellers to choose plans that suit their needs. The flexibility in coverage options is a positive aspect for many travellers.

5. Claims process : The efficiency and transparency of the claims process are crucial indicators of the reliability of an insurance provider. Allianz generally has a well-structured claims process, and it's important to follow the specific procedures outlined in your policy when making a claim.

6. Industry recognition : Allianz has received industry recognition and awards for its insurance products and services, further affirming its standing in the insurance sector.

While Allianz Travel Insurance is generally considered safe and reliable, it's essential to read and understand the terms and conditions of the specific policy you are considering. Pay attention to coverage details, exclusions, and any specific requirements related to your travel plans.

Additionally, if you have specific questions or concerns, contact Allianz directly to seek clarification and ensure that the travel insurance plan aligns with your needs and preferences.

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Travel Insurance For Schengen From India

Travel insurance for schengen visa from india.

Travelling to a Schengen country this year? Make sure to get travel insurance for Europe and travel insurance for a Schengen visa before you embark on the journey!

Expert's Guide to Schengen Visa Process

Schengen travel insurance.

Schengen travel insurance is insurance for travelling to Schengen countries. Schengen countries are those 26 countries that signed the Schengen agreement in 1985 in Luxembourg, Europe. The Schengen agreement makes it easy for tourists and travellers travelling to the European subcontinent to move unrestricted in any of the 26 countries during their stay. These counties include France, Switzerland, Austria, Germany, Belgium, Denmark, Greece, among others. Travellers arriving in a Schengen country can only stay up to 90 days within a 3-month window. Moreover, they need a Schengen visa and mandatory travel insurance for Schengen before they set foot in any of the listed Schengen countries.

Schengen travel insurance is a mandatory insurance cover for travellers that protects them from unforeseen eventualities that can threaten their trip by providing financial support in various scenarios. These include medical emergencies, hospitalization expenses, accidents, lost/ delayed baggage, misplaced passport, flight delays and cancellations, and even third-party damage, among several other travel-related scenarios.

Schengen travel insurance covers the costs arising from these eventualities to protect you from financial loss and getting overwhelmed during a trip to a foreign country. Once you get travel insurance for Schengen countries, you get secured for everything that could go wrong as long as it is mentioned and explicitly covered in the travel insurance for Schengen document. When you buy online on tataaig.com, you can choose between various plans. By using the Compare Travel Insurance Feature you can pick the plan the offers the best coverage amount & premium for you. Tata AIG’s Schengen travel insurance starts at an amount as little as ₹40.82 per day*. Moreover, you invest in rupees and receive coverage in Euros.

Why do You Need Schengen Travel Insurance?

Schengen travel insurance and a Schengen visa are mandatory for travelling to any of the listed Schengen countries. But besides travel insurance for a Schengen visa being mandatory for Indians, it is crucial to get Schengen travel insurance to secure yourself and your finances from anything that could go wrong during your trip.

Here are a few reasons why you need Schengen travel insurance from Tata AIG:

To cover the expenses of medical emergencies Imagine you are all excited about your trip to Europe. You can’t wait to explore the cafes, walk through the historic lanes, and taste the eclectic cuisine. But suddenly, you become sick and require immediate medical care.

Here is where your Tata AIG Schengen travel insurance will come to your rescue. It will cover the cost of hospitalization, accidents, and even emergency dental treatment.

To cover the things that could go wrong during the journey Nothing is worse than looking forward to a trip, but something unexpected causing a complete dent in your plans. While we can’t control what happens, we want to be there to take care of the consequences.

No matter the situation – flight delays, trip cancellation, missed flights, lost passport, and even bounced bookings – Schengen travel insurance will have your back and refund the amount as per the set limits in the insurance policy document.

To support what you cherish back home Imagine you have already started your journey, but you get the sudden news of a family member falling sick. Or if someone reported a theft in your empty house. At such a time, you would not be able to enjoy the vacation awaiting you. Plus, you would definitely need financial assistance. Not only does travel insurance for a Schengen visa from India reimburse your booking and flight costs, but it also refunds the damage done to your home.

Benefits of Schengen Travel Insurance

Tata AIG has one of the most comprehensive and best travel insurance for Schengen visas that provide you with:

  • Medical Cover :

The medical cover in the travel insurance for Schengen provides immediate financial assistance if you develop any illness, face an accident, and even the worst-case scenarios of any fatalities. In the scenario you need to continue your treatment in India, it will also cover the costs of evacuating you back.

  • Baggage Cover :

Tata AIG’s travel insurance Schengen visa, India, also covers any delay or misdirection in your baggage by the airline you are flying in. If your baggage gets lost, stolen, or misplaced by any carrier or delivery, we will cover the costs of your personal belongings for a hassle-free stay.

  • Journey Cover :

For any eventuality that takes place during your journey and derails it, our Schengen travel insurance India will cover the financial loss caused by them. These include flight delays and cancellations, trip cancellations, bounced bookings, passport loss, trip curtailments, among other harrowing scenarios.

  • Covid Cover :

At present, the threat of COVID-19 is still looming at large. While you might take all the necessary precautions, it is possible to contract the virus. Not only can this cause a big dent in your travel plans, but it can pose an immediate threat to your life. With travel insurance for Schengen, you get coverage for medical expenses, trip cancellation, and refunds of amounts spent on bookings, accommodation, and travel.

Which are the Schengen Countries?

The Schengen countries are 26 countries in Europe that signed an agreement called the Schengen agreement. This agreement allows travellers coming to the continent to move freely within any of the 26 countries. So, people travelling within Europe do not have to apply for separate visas, insurance, and travel documents.

Before you get travel medical insurance for Europe, it is wise to know about the Schengen countries.

The countries include:

What are the Requirements of Schengen Visa Insurance?

To apply for travel insurance for a Schengen visa, you must know the basic Schengen visa travel insurance requirements:

  • The travel insurance for Schengen visa coverage value must be a minimum of 30,000 euros. However, Tata AIG provides a coverage amount up to approximate 4,31,000 euros at premium prices as less as ₹40.82 per day.
  • It must cover all medical emergencies, medical repatriation, and accident hospitalization costs at the very least. Tata AIG’s Schengen travel insurance is holistic, covering everything from medical emergencies to travel delays.
  • Your Schengen travel insurance policy must be valid for the entire duration of your trip and in all 26 counties.
  • You have to show your Schengen visa, the type of Schengen visa you have taken, and other relevant documents while obtaining a Schengen travel insurance policy.
  • You have to state your purpose of travelling to a Schengen country and your expected time frame of staying in the continent, whether that is leisure travel, business travel, study travel, family and friend visitation travel, or any other reason.

Types of Schengen Visas

Before you get travel insurance for a Schengen visa in India, it is vital to know what type of Schengen visa will align with your purpose of travelling:

Uniform Schengen Visa A Uniform Schengen visa consists of two types of visas

  • Type A Schengen Visa that is for anyone travelling through a Schengen country by air and only in-transit for a period of up to 24 hours.
  • A type C Schengen Visa is for a short-term stay in a Schengen country for up to 90 days. Here there are single-entry, double-entry, and multiple entry Schengen visas.

National Schengen Visa A National Schengen Visa is for those travellers who intend to stay in a Schengen country for an academic course, research or pedagogical work, any professionals, international students, and any individual stuck in a Schengen country due to a medical emergency and other related reasons.

Documents Required for a Schengen Visa

Before you apply for a Schengen visa in India with the consulate or embassy of the Schengen country you plan to visit, you have to buy travel insurance for the Schengen visas. You can find a consulate or embassy near where you live for maximum convenience.

It is ideal to apply for a Schengen visa up to 6 months before your take-off date. The latest you can apply is 15 days before the scheduled trip, but since the visa approval takes around 10 to 15 days, it is not recommended to take such last-minute risks.

Here are all the documents required for Schengen Visa :

  • A duly filled and signed printed copy of the visa application form
  • Two passport-sized photographs with a light background clicked recently
  • An active Indian passport that is not older than ten years and is valid for at least three months from your intended travel date to the chosen Schengen country
  • Proof of accommodation during your stay in the chosen Schengen country and area
  • The Schengen travel insurance is availed in India with a coverage of at least 30,000 euros.

Plus, there must be the base coverage of unforeseen medical emergencies, accidents, and medical evacuation and repatriation

  • Flight tickets and flight itinerary to and from the Schengen country and area
  • A cover letter stating the reason for your visit to the chosen Schengen country
  • Proof of your civil status including but not limited to:
  • Your marriage certificate
  • Income tax return proof of the last 3 years
  • Bank statement of the last 6 months
  • Birth certificate of children
  • Ration Card
  • Proof of your capacity to finance your stay in the chosen Schengen country
  • Proof of admission if you are travelling as an international student
  • Letter of employment if you are travelling for work purposes

Moreover, while applying for a Schengen Visa, you will have to state your purpose of visiting the Schengen Area in the application form and during the interview at the embassy. Tata AIG provides one of the cheapest travel insurance for a Schengen visa at premium rates as little as ₹40.82 per day!

What is Schengen Visa Procedure?

Once you get offline or online travel insurance for a Schengen visa, you can apply for the Schengen visa. It is ideal to apply for your Schengen visa at least 30 to 60 days before the date of your trip, even though the cut-off date is 15 days before the trip. This is because the embassy or consulate where you apply for a Schengen visa might take anywhere between two weeks to two months to process your visa application. Here is how you can go about it:

Step 1 - Decide what purpose you are visiting the Schengen country for and select the Schengen visa type applicable These include:

  • Transit Visa
  • Tourist Visa
  • Family and friends’ visitation visa
  • Business visa
  • Visa for cultural and sport activities
  • Visa for official visits
  • Medical visa

Step 2 - Apply to the embassy of the Schengen country you will visit. If you are visiting more than one Schengen country, apply to the consulate or embassy of the core destination country you plan to visit. Step 3 - Pick a suitable time frame to apply where the earliest date is 6 months before the trip, and the latest is 15 days. Step 4 - Book an appointment with the consulate/ embassy/ visa centre of the Schengen country. Most applications are online, but if your chosen Schengen country specifies an in-person booking, then you have to abide by that. Step 5 - You will receive the Schengen visa application form, where you will have to input details, including your personal information, background information, the purpose of visiting, and other relevant details. Before you fill the form, read the instructions on how to do so in its entirety. Step 6 - Once you fill the application form, gather all the relevant documents (mentioned above) and attach them while submitting. After that, you will receive a notification for a Schengen visa interview and get an appointment date. The interview will last around 15 minutes. Step 7 - The travel insurance for Schengen visa costs differ from insurer to insurer. At Tata AIG, we strive to provide the most holistic of coverages at affordable prices. That is why we offer comprehensive Schengen travel insurance at prices as little as ₹40.82 per day.

Best Time to Visit Schengen Countries

You can visit Schengen countries anytime during the year as the maximum temperature doesn’t exceed 23 to 25 degrees Celsius. As most of India hits hotter temperatures than those in Schengen countries, even 24-degree weather can seem pleasant. Schengen countries have four seasons:

  • Summer where the temperature is between 14 to 24-degree Celsius (December – February)
  • Autumn where the temperature is between 7 to 14-degree Celsius (September – November)
  • Spring where the temperature is between 2 to 18-degree Celsius (June – August)
  • Winter where the temperature is between -10 to 10-degree Celsius (March-May)

Each season has a unique experience to offer, and the local weather is different in different Schengen countries.

Things to Do in Schengen Countries

There are plenty of things to do in Schengen countries. You could visit popular destinations like France and visit the Eiffel tower at sunset. You could visit destinations blooming with history on every by-lane like Greece and Vienna. You could visit cultural heritages and rich architectural havens like the Czech Republic, Hungary, and Austria. You could soak in the eclectic cuisines of Italy and Spain, shopping in Germany and Belgium. And of course, there is everyone’s dream destination – Switzerland, where you could soak in amidst the luscious greenery and indulge in the world’s best chocolates. The list is never-ending, and the possibilities are countless.

What does the Schengen Travel Insurance Policy from Tata AIG Cover?

Before you buy travel insurance for a Schengen visa in India, it is necessary to know what the travel insurance coverage for Schengen visa from Tata AIG includes:

Accident & Medical Illness Treatment : Our Schengen travel insurance covers all medical costs arising due to an accident or any illness (excluding a pre-existing disease), including hospitalization, intensive care unit hospitalization, surgery, room rent expenses, and miscellaneous expenses.

Personal Accident Treatment : Our Schengen travel insurance covers all medical costs arising out of any unforeseen accident, including hospitalization, intensive care unit hospitalization, surgery, diagnostic tests, ambulance costs, room rent expenses, and miscellaneous expenses.

Medical Evacuation : Our Schengen travel insurance covers immediate evacuation expenses needed due to an unforeseen medical emergency at the nearest hospital available in the Schengen country where the eventuality occurs. If the need is, the travel insurance will also cover the costs of medical evacuation back to India.

Emergency Dental Treatment : Believe it or not, our Schengen travel insurance also covers emergency dental treatment expenses. We provide a monetary dental benefit for reasons including a medically necessary filling of a tooth/ teeth, surgical treatment required, and any other services or supplies needed to treat the tooth. However, all the dental benefits shall be limited to the treatment given only to sound natural teeth, i.e., no artificial teeth.

Trip Delay/Curtailment : Our Schengen travel insurance covers trip delays and curtailments caused due to loss of travel or accommodation due to cancellation by the other party. Even for unused travel and accommodation expenses due to a personal reason, we will refund all the unused expenses.

Baggage Loss and Delay : Our Schengen travel insurance covers the costs of all personal items due to delayed, misdirected, or lost baggage caused by the airline’s negligence. It also covers the personal belonging costs if the carrier or delivery personnel misplaces your entire baggage. Even incidents of theft are covered.

Flight Delays/Cancellation : We know how frustrating flight delays and cancellations can be for no fault of your own. That is why we cover the additional expenses incurred in securing an extra night or two of hotel stays and further bookings. You also receive coverage in case of missed or cancelled flights.

Repatriation Cover : If any case of unforeseen fatality, where the worst possible scenario plays out, we at least wish to ensure that your loved ones receive the financial support they deserve in the tough time caused by your demise. Moreover, we ensure your loved ones get to give a final goodbye by transporting remains back to India.

Hijack Risk Cover : We hate to even imagine this, but in the terrible eventuality of your flight getting hijacked, we wish to provide financial assistance as much as we can. In such a time, we hope to lessen the impact of your trauma with a distress allowance that will at least take care of your financial liabilities.

Personal Liability : In the unlikely eventuality of you causing damage to someone else, we would like to assume financial responsibility for the same. In the case of you and a third party being involved in an accident and the third party getting hurt, we will cover all the damage caused to the third party.

COVID-19 Cover : If at any time during your trip you contract COVID-19, we’re right here to ease the strain of recovery. We will take care of all the medical expenses incurred due to the disease, reimburse you for the unused and non-refundable amount of your bookings/ accommodations, and automatically extend your travel insurance by seven days if there is a lockdown imposed in your Schengen country/ city.

What does the Schengen Travel Insurance Policy Not Cover?

While we would love to secure you for every possible catastrophe, there are some scenarios where our travel insurance would not be able to help. These include:

Cosmetic treatment : We do not cover the costs of elective, cosmetic, or plastic surgery, except as a result of an injury caused by a covered accident while our travel insurance policy is in force.

War & civil unrest : We do not cover any losses arising out of war, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities (declared or undeclared), rebellion, mutiny, use of military power, usurpation of government/ military power, or civil unrest

Adventure sports : We do not provide financial support in the case of any damage or injury caused due to engaging in adventure sports of any kind. These include scuba diving, paragliding, bungee jumping, river rafting, among other life-threatening sports.

Mental disorders : We do not cover any mental disorders, any sexually transmitted diseases (including but not limited to HIV/ AIDS), and any pre-existing diseases.

Alternative Treatment : We do not cover any alternate treatments of any type that are prevalent in India, including but not limited to Homeopathy, Ayurveda, Unani, and other alternative medicinal practices.

Journey Exclusions : We do not cover charges incurred for diagnostic, x-ray, and laboratory examinations that are not related to the illness/ injury. We do not cover any charges for treatment rendered by a doctor that is outside his/ her medical professional or doctor’s fees charged by an immediate relative or sharing the same residence.

We do not cover the costs of any personal comfort and convenience items like television, telephone calls, internet, food, cosmetics, hygiene items, and other body care/ comfort products.

  • Baggage Exclusions : We do not cover any damage or loss to a partial amount of your baggage. We only cover losses and reimburse the cost of personal belongings due to the whole loss of baggage.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. why do i need a schengen travel insurance policy.

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You need a Schengen Travel Insurance Policy as it is mandatory if you want to travel in any of the 26 countries constituting the Schengen continent. Moreover, it is always better to have financial security in case of an emergency that threatens to drain your savings.

2. Can Business Travellers Buy a Schengen Travel Insurance Policy?

Yes, of course. Business travellers can and have to buy a Schengen Travel Insurance Policy. One of the main Schengen visas is business visas. And those travelling for professional or work-related purposes must avail of a Schengen travel insurance policy to avoid any kind of hassle

3. What is Not Covered Under a Schengen Travel Insurance Policy?

A Schengen Travel Insurance Policy, especially from Tata AIG, covers a wide range of unforeseen scenarios, including dental treatment and fatalities. But there are some things beyond the scope of coverage, including costs incurred due to cosmetic treatment, war and civil unrest, alternative treatments, injury caused due to adventure sports, mental disorders, pre-existing diseases, and others. You should always read the travel insurance policy document in detail to know about all its exclusions.

4. What is the Eligibility Criterion to Apply for a Schengen Visa?

To be eligible to apply for a Schengen visa, you must:

  • Fill the visa application form within the desired time frame
  • Be clear about your purpose of visiting the Schengen country
  • Have all your relevant documents in place
  • Have enough financial and civil status
  • Have your itinerary, accommodation, and mode of travel sorted
  • Have Schengen travel insurance in place

5. Is It Possible to Travel to Multiple Schengen Countries with the Same Schengen Visa?

Yes, it is possible to travel to multiple Schengen countries with the same Schengen visa. However, there is a specific type of visa that allows for multiple travels within different countries. It is the multiple-entry or type C uniform Schengen visa or the Multiple-entry or type-D Schengen visa.

6. How Does a Single-Entry Schengen Visa Differ from a Multiple-Entry Schengen Visa

A single-entry Schengen visa allows you to enter a Schengen country only at one given time during a period of 180 days and for a maximum of 90 days. Once you exit the Schengen country, you are not allowed to return and have to apply for a new visa altogether.

A multiple-entry Schengen visa allows you to enter multiple Schengen countries within the same span of 180 days and for a maximum of 90 days. It saves you the effort of doing paperwork again and again.

7. How Much Time Does It Take to Process for a Schengen Visa

It usually takes around two weeks to process a Schengen visa if the embassy/consulate finds everything in the right place and is satisfied with your application form. In some specific cases, the embassy/ consulate takes around 30 days to process a Schengen visa. In some unusual cases, it takes around 60 days to process the visa.

Disclaimer :

All the information provided above has been well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of coverage.

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Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Travellers book long-term insurance as Schengen visa rules come into play

Travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. riders covering baggage or belongings loss, trip cancellation, adventure sports coverage.

Schengen visa

Schengen visa | Photo: Schengen visa information website

EU eases Schengen visa rules for Indians: Costs, processing time explained

Explained: how indians can now get five-year, multi-entry schengen visa, are indians eligible for 5-year schengen visa all you need to know, schengen visa to go online, no need for in-person appearance at consulate, thailand plans schengen-style visa for asia: how does it impact you, venice imposes world's first tourist entry fee: all you need to know, cred introduces offline qr code 'scan & pay' service, kiosks for merchants, rbi directs talkcharge to return funds in ppi- wallets to consumers, risky borrowing: india's household debt has likely surged to all-time high, h-1b visa holders can now sue over fraud-linked visa revocations.

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New Schengen Visa rules: Know changes in travel, insurance trends; senior citizens visiting Europe shoots up by 100%

New schengen visa rules ushered in significant changes in travel and insurance trends, with those aged 70 and above visiting schengen destinations doubling. in the upcoming season, 82% of travellers to europe will visit france, switzerland, italy, germany, netherlands, and spain..

New Schengen Visa rules brought in significant changes in travel trends, a 15 percent uptick was noted among travellers who declared pre-existing ailments.

New Schengen Visa rules have resulted in a doubling of Europe-bound senior citizens, a survey by insurance broker Policybazaar.com revealed. The new Schengen Visa rules, announced on April 18, have also spurred significant changes in travel insurance trends over the past few days, including a 3-4 per cent surge in users who booked travel insurance policies, as per the Policybazaar survey.

Travellers to Schengen destinations aged 70 and above have doubled compared with last year's figures. A significant rise in travellers declaring pre-existing diseases was also noted.

The most sought-after add-ons for travel insurance included coverage for baggage or loss of belongings, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage, as per the report.

Also read: New Schengen visa rules for Indians: This is how you can get multi-entry two-year visa for 29 European countries

Manas Kapoor, business head of Travel Insurance at Policybazaar.com, pointed out a surge among Europe-bound travellers who booked long-term travel insurance, after the new visa rules came into effect.

The survey noted a 3-4 per cent surge in users who booked travel insurance policies for travels that exceeded 45 days in April 2024. “This trend is expected to rise further due to the relaxed visa norms," Manas Kapoor pointed out.

In the upcoming summer season, 82 per cent of Indian travellers to European countries will be visiting popular destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain, according to the survey.

The survey found a 15 per cent rise in travellers to Europe who declared pre-existing conditions including Diabetes and Hypertension, compared with last year's figures.

Also read: Indians can now apply for multiple entry Schengen visa with longer validity. Check details

But a 40% plunge was recorded in number of travellers buying travel insurance products in Euros.

The new Schengen visa regime entails a stark departure from previous rules. Previously, Indians who wished to travel to one or more European countries were granted Schengen visas for a maximum of three months.

Also read: Schengen visa fee hike: Here’s how costly your trip to Europe can get

Under the new regime, Indians will be granted Schengen visas for two years, thus facilitating their entry to any of the 29 European countries multiple times. This two-year validity is further extendable by 5 years under the ‘cascade regime’. This means Indian tourists can travel and stay in any of these European countries as visa-free nationals for a longer period.

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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

  • Medical expenses;
  • Lost, damaged or stolen luggage;
  • Travel cancellations or delays ;
  • Personal liability;
  • Credit card fraud;
  • Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

  • Break the law;
  • Are under the influence of alcohol or drugs;
  • Partake in an excluded activity;
  • Receive medical treatment for a pre-existing condition that was not disclosed;
  • Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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IMAGES

  1. Schengen medical travel insurance

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  2. [2020] Best Schengen Visa Travel Insurance: Cost, Requirements, Refund

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  3. Schengen Visa Travel Insurance Plans, Europe visa travel health

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  4. How to Choose the Right Schengen Visa Travel and Medical Insurance

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  5. How to Choose the Right Schengen Travel Insurance

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  6. Learn About The Schengen Visa

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COMMENTS

  1. Schengen Visa Travel Insurance: 2024 Guide

    Schengen visa insurance must provide medical expenses coverage, including hospitalization, medical treatment and repatriation for medical reasons. It must also be valid in all Schengen countries ...

  2. Schengen Europe Travel Insurance

    AXA is the number one provider of travel insurance for trips to Europe and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €33 per week, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €328 for a year ...

  3. 5 Tips for Buying Schengen Travel Insurance

    Get multiple quotes. 3. Use this as an opportunity to maximize credit card bonus points. 4. Double-check the policy before purchasing. 5. Consider using a credit card that provides trip insurance ...

  4. Health insurance for Schengen visa

    the Low-Cost Schengen Area travel insurance: at 22€ per week this insurance is the cheapest covering all your Schengen visa requirements. Europe Travel Insurance: at 33€ per week, this insurance covers medical expenses up to 100,000€. the Multi-Trip insurance: at 328€ a year, it is perfect for frequent travellers who visit the Schengen ...

  5. Schengen Travel Visa Insurance

    Even though travel health insurance is worth having for all travellers to Europe, not everyone is required to have it. A travel insurance policy is mandatory only for travellers applying for a Schengen visa.This group of travellers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays ...

  6. Travel Insurance for Schengen Visa: A Comprehensive Guide

    Minimum Coverage. Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000. This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

  7. Schengen Travel Insurance

    The leading Schengen travel insurance provider. When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners.If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are.

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    US Travelers who are seeking Travel Insurance for the visa-free Schengen Zone can do so by purchasing online or calling 855-327-1441 Monday ... It is recommended to get travel insurance; regular health insurance may not cover all of your medical expenses during your trip or provide overseas coverage in case of any unforeseen circumstances ...

  9. Travel Insurance Requirements for Obtaining a Schengen Visa

    Multiple-entry Schengen visas allow you to make multiple trips within the Schengen zone. Applicants for visas for more than two entries will need the following: Proof that they have valid travel medical insurance covering only the duration of their first intended visit to receive their visa. However, you'll also need to sign a document ...

  10. Schengen Visa Travel Insurance Requirements

    Schengen Visa Insurance Requirements. The Schengen visa travel insurance plan must meet these requirements: It should cover at least €30,000 for medical expenses and emergency evacuation. It should be valid in all 29 countries in the Schengen Zone. It should be valid for the entire duration of time you are in Europe.

  11. Schengen visa health insurance

    The Travel Risk Insurance from Allianz (Schengen medical travel and health insurance) meets all requirements for applying for a Schengen visa (short stay visa for a maximum of 90 days) and is therefore always accepted by the embassy. A visa application can go so quickly and smoothly. All the benefits of the Travel Risk Insurance - Schengen ...

  12. How to Buy Schengen Travel Insurance from VisitorsCoverage: A Step-by

    They sell insurance for all international travel including US trips and Schengen Visa. VisitorsCoverage's Europe Travel Plus meets all the requirements of Schengen visa insurance such as the minimum policy cover, copay and visa letter. VisitorsCoverage is also the cheapest Schengen travel insurance, costing about $1 per day.

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    Schengen Visa Insurance Requirements. In order for the Embassy/Consulate to accept your travel health insurance policy, it has to meet these requirements: It has to be valid in all Schengen member countries. Minimum medical coverage of €30,000. Must cover emergency medical expenses and repatriation.

  14. Schengen Travel Insurance

    Schengen travel insurance should give you basic cover for all 26 Schengen countries, including: Medical cover - to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000. Lost, stolen or damaged luggage and passports - covers damage to your personal belongings or travel documents.

  15. Schengen Visa Travel Insurance (2024 Guide)

    Travel insurance is a requirement for the Schengen visa application process. You need at least €30,000 (US$32,800) in coverage in case you need medical attention during your stay in Europe, and ...

  16. Schengen Travel Insurance: Requirements 2023

    Travel health insurance for Schengen visas is a mandatory requirement, providing coverage for medical emergencies during your Schengen Area visit. Minimum medical coverage of €30,000 (approximately $32,200 USD as of November 2023). Coverage must extend to all Schengen Area member states. Includes expenses for medical repatriation, urgent ...

  17. Travel Insurance

    Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan. 2.

  18. Buy Best Travel Insurance for Schengen Visa

    0.6 to 70 years (or more) Visa Duration (For Tourism) 90 Days (180 at maximum) Benefits. Trip Cancellation, Baggage and Passport Loss, Emergency Transportation and Treatment, Adventure Sports Cover, Trip Cancellation, etc. Minimum Sum Insured. €30,000. If Overseas Travel Insurance Mandatory for Visa. Yes.

  19. All you need to know about Schengen travel Insurance

    Here is what you need to know about where to buy this, the different products available that meet the criteria required as part of a Schengen Visa application, as well as information on how to apply from and to different countries, and details of AXA's top travel insurance products. Travel insurance for countries requiring a Schengen Visa.

  20. What Is Schengen Travel Insurance?

    Visa and travel insurance requirements for the Schengen Area. Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or ...

  21. Schengen Travel Insurance For Visa & Medical

    A Schengen insurance policy typically covers the following: 1. Medical expenses: Coverage for emergency medical expenses, including hospitalisation, surgery, and outpatient treatment. As Schengen visa regulations require, the policy usually covers a minimum amount, such as €30,000. 2.

  22. Travel Insurance for Schengen Visa from India

    To apply for travel insurance for a Schengen visa, you must know the basic Schengen visa travel insurance requirements: The travel insurance for Schengen visa coverage value must be a minimum of 30,000 euros. However, Tata AIG provides a coverage amount up to approximate 4,31,000 euros at premium prices as less as ₹40.82 per day.

  23. PDF EU Blue Card

    Confirmed flight (roundtrip)/travel reservations with the name of passenger Proof of travel health insurance stating: a. Name of the applicant b. Coverage of at least 30,000 EUR for medical expenses and repatriation c. Validity for the entire Schengen area d. Validity for the entire duration of stay in the Schengen area

  24. Medical travel insurance for Italy Schengen visa : r/SchengenVisa

    Subreddit to discuss Schengen visas. Members Online • dr_sm_a. ADMIN MOD Medical travel insurance for Italy Schengen visa . Question Can anyone please share which medical travel insurance they bought for Italy Schengen visa? Which fulfils the requirements? Share Add a Comment ...

  25. Travellers book long-term insurance as Schengen visa rules come into

    Indian passport holders can now secure long-term multiple-entry Schengen visas for two or five years, especially if they've previously travelled on a Schengen visa. Already, there's a 3-4 per cent increase in users booking travel insurance policies exceeding 45 days in April 2024, a trend expected ...

  26. Schengen Visa travel insurance: the minimum coverage required

    3. 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 €30,000. When a visa with limited territorial validity covering the territory of more than one Member State is issued, the insurance cover shall be valid at least ...

  27. New Schengen Visa rules: Know changes in travel, insurance trends

    New Schengen Visa rules ushered in significant changes in travel and insurance trends, with those aged 70 and above visiting Schengen destinations doubling. In the upcoming season, 82% of ...

  28. Travel Insurance For Vietnam Explained

    Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three ...

  29. Cheap Travel Insurance for Schengen visa

    While allowing you to enjoy a peaceful visit of all the countries of the Schengen area, our travel insurance is cheap. For a one week stay, it starts at €22 (approx. US$23). Length of stay (days) 1 to 8. 9 to 16. 17 to 24. 25 to 31. 32 to 45. 46 to 62.

  30. New Schengen Visa Rules: Know Changes In Travel, Insurance Trends

    (MENAFN- Live Mint) "New Schengen Visa rules have resulted in a doubling of Europe-bound senior citizens, a survey by insurance broker Policybazaar revealed new Schengen Visa rules, announced on ...