Schengen Visa Insurance Requirements: A Complete Guide for Travelers
QRO - Planning a trip to Europe? If your destination is in the Schengen Area, there’s one essential requirement you cannot ignore: Schengen visa insurance. Many travelers underestimate this, and as a result, face visa rejection.
This complete guide will answer all your questions:
- What is Schengen visa insurance and why is it mandatory?
- What are the exact requirements in 2025?
- How much does it cost?
- How to choose the best policy without overspending?
- Common mistakes and how to avoid them
- Where to buy reliable Schengen visa insurance
Let’s dive in and make sure your visa application goes smoothly!
What Is Schengen Visa Insurance and Why Do You Need It?
Schengen visa insurance is travel medical insurance required by all Schengen countries for non-EU citizens applying for a Schengen visa. It protects you against unexpected medical emergencies, accidents, and repatriation costs during your stay in Europe.
Why is it mandatory?
Because healthcare in Europe can be expensive, and Schengen states want to ensure travelers can cover emergency medical costs. Without this insurance, your visa application will be refused—no exceptions.
Schengen Visa Insurance Requirements (2025 Official Update)
To get your visa approved, your insurance must meet these exact requirements:
- Minimum coverage: €30,000 (≈ $32,000)
- Valid in all Schengen countries: Even if you only visit one country
- Covers medical emergencies: Including urgent treatment and hospitalization
- Covers repatriation: If you need to be flown back home in case of illness or death
- Valid for the entire trip duration: From entry to exit dates
Pro Tip: If you plan multiple entries, make sure your insurance covers every entry period.
How Much Does Schengen Visa Insurance Cost in 2025?
The cost depends on your age, trip duration, and coverage. Here’s a rough estimate:
- Short stay (7–15 days): $20 – $50
- 30-day stay: $40 – $80
- Long-term stay (90 days): $100 – $200
The good news? You don’t need the most expensive plan. As long as it meets the official Schengen requirements, it’s acceptable for visa purposes.
How to Choose the Best Schengen Visa Insurance
Here are 5 key factors to consider before purchasing:
- Compliance: Does it meet the €30,000 coverage rule and all official requirements?
- Embassy-Approved Providers: Choose insurers recognized by Schengen embassies (e.g., AXA, Allianz, Europ Assistance).
- Quick Policy Issuance: Many embassies require proof of insurance at the time of application.
- Refund Guarantee: If your visa is rejected, will you get your money back?
- 24/7 Assistance: Emergencies don’t wait—choose a company that offers round-the-clock support.
Where to Buy Schengen Visa Insurance?
You have three main options:
- International insurance companies: AXA, Allianz, Europ Assistance
- Local insurance providers in your country offering Schengen-compliant plans
- Online platforms for instant quotes and policy downloads
Pro Tip: Always verify on the official embassy website for recommended insurers.
Common Mistakes Travelers Make (And How to Avoid Them)
Buying the wrong policy
Some travelers buy domestic or non-compliant travel insurance. Schengen countries will reject it.
Not covering all dates
Your policy must cover every single day of your stay in the Schengen Zone.
Ignoring multiple entries
If you leave and re-enter Schengen territory, your policy must still be valid.
Not having printed proof
Some embassies require a physical copy of your insurance certificate with your visa application.
Frequently Asked Questions (FAQ)
1. Is Schengen visa insurance mandatory for all travelers?
Yes, if you need a visa to enter the Schengen Zone, insurance is mandatory.
2. What is the minimum coverage required?
At least €30,000 for medical expenses and repatriation.
3. Can I buy the cheapest plan?
Yes, as long as it meets the Schengen requirements. Price does not matter for visa approval.
4. Do I need insurance if I have private health coverage?
Unless your policy specifically meets Schengen requirements and provides proof, you still need to buy Schengen-compliant insurance.
5. What happens if I don’t buy Schengen visa insurance?
Your visa application will almost certainly be rejected.
Final Thoughts: Make Schengen Visa Insurance Stress-Free
Getting Schengen visa insurance is not complicated—just make sure:
- It meets the official requirements
- It covers all Schengen countries
- It’s valid for your entire stay
With the right insurance, you’ll travel with peace of mind, knowing you’re protected from costly medical emergencies.