Schengen Visa
Schengen Visa travel insurance plans are designed for travelers who are required to obtain a Schengen Visa before visiting one of the 29 European countries in the Schengen Area.
Schengen Visa requirements are based on citizenship, not residency. If you are a citizen of one of the countries on this list, you must provide proof of travel medical insurance that meets visa requirements, even if you are a U.S. resident.
Although many travel insurance plans may satisfy Schengen visa requirements when certain options are selected, this plan is specifically designed for Schengen Visa applicants. It includes the required travel medical coverage limits and provides an embassy-approved visa letter after purchase, which can be submitted with your visa application.
You must have qualifying travel insurance before applying for a Schengen Visa.
Schengen Visa Plans
View All Schengen Visa Plans
The 29 countries listed below comprise the Schengen Area. If you need a Schengen Visa to visit these countries, your visa application will require proof of Schengen travel insurance.
Austria
Belgium
Bulgaria
Croatia
Czech Republic
Denmark
Estonia
Finland
France & Monaco
Germany
Greece
Hungary
Iceland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Switzerland
To satisfy Schengen Visa requirements, your travel insurance policy must:
- Provide at least €30,000 (roughly 35,000 USD) in coverage for emergency medical expenses.
- Be valid throughout the entire Schengen Area, including all 29 Schengen member countries.
- Cover the full duration of your trip, matching the dates of your visa application.
- Include medical repatriation benefits, including transportation home for medical reasons and repatriation of remains in the event of death.
Schengen Visa travel insurance plans are built for travelers who require a Schengen Visa when traveling to one of the 29 European Countries in the Schengen Area. Schengen Visa requirements are based on citizenship, not residency. If you are a citizen of one of the countries on this list, you will need a travel insurance plan that meets the requirements of a Schengen Visa.
Note: The medical limits on some policies decrease for older travelers (usually age 80 or older). Please review your quoted plan to make sure all limits meet the embassy requirements.
Frequently Asked Questions
Do U.S. citizens need travel insurance for the Schengen Area?
No. U.S. citizens traveling to the Schengen Area for stays of less than 90 days generally do not need a Schengen Visa and are not required to purchase Schengen Visa travel insurance. However, the European Union recommends that visitors have adequate travel medical insurance to help cover unexpected medical expenses, hospitalization, and emergency medical evacuation while abroad.
Who needs Schengen Visa travel insurance?
If you’re a resident of a country on this list, you’re required to provide proof of travel medical insurance that meets Schengen requirements when applying for a visa. Visa requirements are based on citizenship, not residency, so eligibility depends on the passport you hold rather than where you live.
What are the minimum insurance requirements for a Schengen Visa?
To meet Schengen Visa requirements, your travel insurance policy must provide at least €30,000 in coverage for emergency medical expenses, be valid throughout the Schengen Area, cover the entire duration of your trip, and include medical repatriation coverage.
Does Schengen travel insurance cover emergency medical treatment?
Yes. Schengen-compliant travel insurance must provide at least €30,000 in coverage for emergency medical treatment, emergency hospitalization, and other eligible medical expenses that arise during your trip within the Schengen Area.
Does Schengen Visa insurance cover medical evacuation?
Schengen Visa insurance must include medical repatriation coverage, which can help pay for transportation back to your home country when medically necessary. Coverage details and limits vary by policy, so review your certificate of insurance carefully.
How much medical coverage is required for a Schengen Visa?
Schengen Visa applicants must have a travel insurance policy with at least €30,000 in medical coverage. The policy must cover emergency medical expenses, hospitalization, and medical repatriation.
How long must Schengen travel insurance be valid?
Your travel insurance must remain in effect for the entire duration of your planned stay in the Schengen Area. The policy dates should match the travel dates listed on your visa application.
Is travel insurance required for every Schengen country?
If you need a Schengen Visa, your travel insurance policy must be valid throughout the entire Schengen Area, not just the specific country you plan to visit first.
Can I apply for a Schengen Visa without travel insurance?
No. Travelers who require a Schengen Visa must provide proof of qualifying travel medical insurance as part of the visa application process. Failure to provide acceptable insurance may result in a visa denial.
