Welcome to Information about the Schengen Visa Travel Insurance – Requirements, Coverage, and How to Buy page. If you are here to get How To Buy Schengen Visa Insurance? then you’re at the right place.
Schengen travel insurance is designed to cover your medical costs while you are visiting the European countries included in the Schengen Zone.
Depending on the policy you choose, travel insurance can also protect you from losses due to trip disruptions, such as a delayed flight, if you need to cut the trip short, or personal liability.
Schengen Visa Insurance Requirements
The Schengen visa travel insurance plan must meet the following requirements:
- It should cover at least €30,000 for medical expenses and emergency evacuation.
- It should be valid in all 26 countries in the Schengen Zone.
- It should be valid for the entire duration of time you are in Europe.
Luckily, because it is required at Embassies for the visa application, most insurance companies offer policies designed specifically to meet these requirements.
What Should the Schengen Travel Insurance Plan Cover?
Make sure your plan covers:
- Cost of medical treatment. This includes:
- In-patient and out-patient medical treatment.
- Doctor visits.
- Prescription medication.
- Emergency dental care.
- Cost of repatriation or evacuation. If you become gravely ill or get into a serious accident which requires medical attention from your home country, then travel insurance covers the cost of repatriation. It also covers repatriation in the event of death.
This is what a basic policy has to cover to be valid for a visa application. However, some insurance companies also offer additional, more comprehensive coverage, such as insurance for your trip or liability.
Companies such as MondialCare, AXA, and Europ Assistance offer travel insurance certificate that is required by Embassies when applying for a Schengen visa.
Schengen Visa Insurance Companies
Here is a list of companies offering the best travel insurance for Schengen Visa:
- AXA Schengen.
- Europ Assistance.
How To Buy Schengen Visa Insurance?
Most insurance companies operate online, so you can simply purchase a travel insurance plan directly from their website. To purchase one, visit the company website, look for the “Get a Quote” or “Start Now” button, and:
- Complete the online application form. You have to give your name, nationality, age, destination, and the dates of travel.
- Select which plan you want. There is usually more than one plan available. You can read the benefits of each plan to find one suited to your needs. For example, if you purchase through MondialCare, one of the leading insurance companies, there are two available policies you can subscribe to.
- Make the payment. You can usually pay by a credit/debit card or through PayPal. The cost of the insurance plan depends on the information you provided (age, length of trip) as well as the plan you chose.
- Download and print the Insurance Certificate. You need this to hand in to the Embassy when you apply for a visa. It will be in PDF format.
Even though purchasing travel insurance online is the easiest and most convenient option, there are other methods as well:
- through a local insurance company. You can just visit the offices of an insurance company in your country, request a Schengen insurance policy, and purchase one.
- through your tour agency. If you visit Europe via an organized tour, the agency may offer you a complimentary insurance policy added to the overall price. Be mindful of these offers because they may inflate the price of the policy and not give you adequate coverage. If you have the option, always read the policy beforehand – and if you don’t like it, see if you can opt-out.
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