What are the Schengen travel insurance requirements for visitors to Europe?

If you are applying for a Schengen visa (to travel within the 27 Schengen Area countries in Europe), you are required to have travel medical insurance that meets specific criteria.

Official Requirements:

1. Minimum Coverage Amount

The insurance must cover at least €30,000 (≈ USD 32,000) in medical expenses.

2. Coverage Area

The policy must be valid in all 27 Schengen countries, not just the one you intend to enter first.

3. Medical Emergencies

The insurance must cover costs related to emergency medical treatment, hospitalization, and urgent care.

4. Repatriation of Remains

The policy must include coverage for repatriation to your home country in the event of serious illness, injury, or death.

5. Validity Period

The insurance must be valid for the entire duration of your stay in the Schengen Area.

6. Proof Requirement

Applicants must provide an official certificate or letter of insurance when submitting a Schengen visa application. Booking confirmations alone are not sufficient.

Important Note:

• Travelers from visa-exempt countries (e.g., the United States, Canada, and Australia) are not legally required to present Travel Insurance upon entry. However, it is highly recommended, as healthcare in many Schengen countries can be very costly without adequate coverage.
• For visa-required travellers, failure to provide insurance that meets Schengen requirements is one of the most common reasons for visa rejection.

Additionally, if you are seeking an affordable travel insurance provider, our team at Schengen Visa Itinerary has developed tailored packages to simplify the application process.