Schengen Visa Travel Insurance Requirements (2026 Guide)
Complete guide to Schengen visa travel insurance requirements. Minimum coverage, best providers, and how to buy.
VisaCalm TeamJanuary 27, 2026
Schengen Visa Travel Insurance Requirements
Travel insurance is mandatory for Schengen visa applications. Here's everything you need to know.
Minimum Requirements
| Requirement | Specification |
|---|---|
| Coverage Amount | €30,000 minimum |
| Coverage Area | All Schengen countries |
| Validity | Entire travel period + 15 days buffer |
| Medical Coverage | Yes, including emergency |
| Repatriation | Must be covered |
| Hospital Costs | Must be covered |
What Must Be Covered
- Emergency Medical Treatment
- Urgent Hospital Care
- Emergency Medical Repatriation
- Repatriation of Remains
- Medical Evacuation
Recommended Providers
#### For Indian Travelers
- Bajaj Allianz
- ICICI Lombard
- HDFC ERGO
- Tata AIG
- Religare
#### International Providers
- World Nomads
- Allianz Global
- AXA
- Europ Assistance
How to Buy
- Compare plans online
- Check coverage meets Schengen requirements
- Purchase for your exact travel dates
- Download policy PDF
- Print for visa application
Cost Examples
| Duration | Approximate Cost |
|---|---|
| 7 days | $15-30 |
| 15 days | $25-50 |
| 30 days | $40-80 |
| 90 days | $100-200 |
Common Mistakes
- Coverage too low - Must be €30,000+
- Dates don't match - Cover entire trip
- Schengen not covered - Must cover ALL countries
- No repatriation - Mandatory requirement
- Deductible too high - Some embassies reject
Tips
- Buy from recognized providers
- Ensure instant policy delivery
- Cover a few extra days
- Keep digital and printed copies
- Verify coverage territory includes all Schengen
Sample Insurance Letter Text
Your policy should show:
- Your name matching passport
- Coverage: €30,000 or higher
- Territory: Schengen Area
- Dates: Covering your entire trip
- Coverage types: Medical, repatriation, etc.
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