Schengen Visa Travel Insurance: The basics

Schengen Visa Travel Insurance: The basics

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All You Need to Know About Schengen Visa Travel Insurance

Even though traveling sounds fun and exciting, a thousand and one things could go wrong on your trip. First on this list is getting sick or needing medical care, which could be hard to handle since you’re not in a place you know well.

So, the Schengen visa insurance was made to make sure that all medical costs are covered. Schengen travel insurance gives the insured medical coverage in all Schengen countries, so you can travel without worrying too much about medical emergencies.

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Schengen travel insurance is just a way for people with visas to get medical insurance in all 26 Schengen countries. Basically, it covers medical costs for trips to any of these 26 countries. If you buy your Schengen insurance from an approved provider, it will usually cover medical costs of up to €30,000. More specifically, this medical insurance comes with a Schengen visa, and getting a Schengen travel insurance is a very solid requirement for getting a Schengen visa.

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So, the total permit is what lets you take advantage of many Schengen perks. One of these is travel insurance for the Schengen area. You can also get Schengen travel insurance without a Schengen visa, but you can’t get travel insurance with a Schengen visa. Also, you don’t need a Schengen visa to travel to a Schengen area because most countries have agreements that allow Schengen travel without visas. Some places like Canada, Brazil, Mexico, and the U.S.A. have this.

But if you can, get a Schengen visa because it protects you in case of a medical emergency or extra costs during your trip. It is also very useful because it covers most of the most important countries in Europe. It’s like buying insurance that covers everything.

How many countries are in the Schengen area?

At the time this was written, the Schengen area included the following countries:

  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • Switzerland
  • Sweden
  • Spain
  • Slovenia
  • Slovakia
  • Portugal
  • Poland
  • Norway
  • Netherlands
  • Malta
  • Luxembourg
  • Lithuania
  • Liechtenstein
  • Latvia
  • Italy
  • Iceland
  • Hungary
  • Greece
  • Germany
  • France

Why do I need travel insurance if I have a Schengen visa to go to Europe?

You need it to get your visa, because one of the requirements is that you have insurance that covers you up to €30,000. If you don’t have this, they won’t give you a visa. Also, buying a Schengen travel insurance is the best way to get this kind of insurance.

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Where can I buy travel insurance for Schengen?

Even though a lot of places say they sell this kind of insurance, not all of them are licensed. In short, the following are some of the most common and reliable organizations that have been accredited:

  • AXA Mansard
  • Allianz insurance plc
  • Zenith insurance
  • Custodian insurance plc
  • Leadway assurance

Does Schengen travel insurance cover countries outside of the Schengen Area?

No, it does not. Countries outside of the Schengen area are not covered by Schengen travel insurance. So, depending on the laws of the place you want to go, you would have to buy a different kind of insurance.

For a Schengen visa, how much Schengen travel insurance do I need?

To be eligible, you must have at least €30,000 in insurance coverage. Also, you can’t pay less than this, but if you have the money, you can pay a lot more.


If you have Schengen travel insurance, you have the best chance of getting a Schengen visa. More importantly, it makes sure that you are covered for at least €30,000 worth of medical costs during your trip. So, getting Schengen travel insurance is the smart thing to do before going on a trip to a Schengen area.

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