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Schengen Visa Insurance Comparison
Travel insurance is mandatory for all Schengen visa applications. Your policy must meet specific requirements: minimum $35,000 (30,000 EUR) medical coverage, repatriation cover, and validity across all Schengen states. Compare compliant plans below.
Visa requirement: Without compliant travel insurance, your Schengen visa application will be rejected. The insurance certificate must be presented at the embassy/consulate.
Schengen Visa Insurance Requirements
Minimum Requirements (Regulation EC 810/2009)
- Medical coverage: Minimum 30,000 EUR ($35,000) per person
- Repatriation: Must cover emergency medical repatriation
- Territory: Valid in all 28 Schengen member states
- Duration: Must cover entire stay plus extra days (recommended: +15 days)
- No deductible: Some embassies require zero deductible policies
- Format: Insurance certificate must be in English or local language
Which Countries Need Schengen Visa Insurance?
Citizens from countries outside the EU/EEA who need a Schengen visa must present proof of travel insurance. This includes nationals from most Asian, African, and South American countries. Even if you don't need a visa (e.g., US, UK, Canadian citizens staying under 90 days), travel insurance is strongly recommended.
Common Mistakes That Get Applications Rejected
- Coverage too low: Must be at least 30,000 EUR — not USD, not GBP
- Wrong dates: Policy must cover your entire intended stay
- Single-country coverage: Must be valid across ALL Schengen states
- Missing repatriation: Emergency repatriation must be explicitly included
- Non-recognized provider: Some embassies only accept certain insurers
Free Schengen Visa Checklist
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