Schengen Travel Insurance: €30,000 Minimum & Best Options

Schengen Travel Insurance: What You Need to Know

Travel medical insurance is a mandatory requirement for all Schengen visa applicants. Your visa application will be rejected if your insurance policy does not meet the specific requirements set by EU Regulation (EC) No 810/2009 (the Visa Code).

This guide covers everything you need to get the right policy for your Schengen visa application.

Mandatory Requirements Under the Visa Code

Article 15 of the EU Visa Code sets the requirements for travel medical insurance, and they are unchanged as of September 2026. In the Code's own terms, the insurance must cover "any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death", must be "valid throughout the territory of the Member States", must "cover the entire period of the person's intended stay or transit", and must carry a minimum coverage of EUR 30,000. In practice, every policy must meet all of the following:

Minimum Coverage: €30,000

Your policy must provide a minimum of €30,000 (or the equivalent in your currency) in coverage for:

• Urgent medical attention
• Emergency hospital treatment
• Medical repatriation to your home country
• Costs arising from death during the trip (repatriation of remains)

Emergency dental treatment for acute pain is included by most policies sold for Schengen applications, but it is not something the Visa Code itself demands.

Geographic Coverage

Your policy must be valid in all 29 Schengen member states, not just your destination country. The Visa Code wording is "valid throughout the territory of the Member States", and your Schengen visa allows travel across the entire Schengen Area.

The 29 Schengen states are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Validity Period

Your insurance must cover:

• The entire period of your intended stay or transit (Visa Code Article 15)
• A buffer is recommended: some consulates ask for cover matching the visa validity they intend to issue, which can include a 15-day grace period beyond your planned dates
• If applying for a multiple-entry visa, the Code requires cover for your first intended visit, plus a signed declaration that you will hold adequate insurance for later trips

No or Low Deductible

The Visa Code does not set a rule on deductibles (excess), so practice varies by consulate. Check your destination consulate's requirements, but generally:

• No deductible is safest
• Some consulates accept modest deductibles (in the region of €100-150)
• Policies with high deductibles are more likely to be questioned or rejected

What Causes Insurance-Related Visa Rejections

Understanding common rejection reasons helps you avoid them:

1. Coverage Below €30,000

The most common mistake. Ensure the policy clearly states the coverage amount in euros.

2. Dates Do Not Match Travel Dates

Your policy dates must cover your full travel period. If you change your travel dates after buying insurance, update the policy.

3. Geographic Restriction

Some policies only cover your specific destination country. For Schengen, you need all-states coverage.

4. Missing Repatriation Coverage

A policy that covers medical treatment but not repatriation will be rejected. Both medical repatriation (return home for treatment) and repatriation of remains must be included.

5. Policy from Non-Recognized Provider

Some consulates maintain lists of accepted insurance providers. Check whether your consulate has specific requirements.

6. Policy Not in Required Language

Some consulates require the policy document in English, French, or the local language of the consulate country.

How to Choose the Right Policy

Step 1: Check Consulate-Specific Requirements

Before purchasing, check whether the consulate you are applying at has specific requirements beyond the EU minimum. Some things to look for:

• Accepted insurance providers list
• Language requirements for the policy document
• Maximum deductible allowed
• Whether online policies are accepted (some require original documents)

Step 2: Check If Your Provider Can Issue a Visa Letter

Your Schengen visa application requires a printed insurance certificate (sometimes called a "visa letter"). How easily you can get this varies dramatically between providers:

• Some providers require you to email support and wait 2-5 business days for a PDF
• Others let you download the visa letter instantly from your online dashboard — no waiting
• SafetyWing, for example, generates the visa letter directly from your account dashboard, which can save days when you are on a tight application timeline

When comparing providers, check how you will receive your proof of insurance. A policy that is perfect on paper but slow to issue the required letter can delay your entire application.

Step 3: Compare Coverage

Look beyond the minimum requirements. A good Schengen travel insurance policy also covers:

• Trip cancellation or interruption
• Baggage loss or delay
• Flight delays
• Personal liability
• Legal assistance abroad

Step 4: Check Policy Details

Read the fine print for:

• Pre-existing conditions: Most travel insurance policies exclude pre-existing medical conditions. If you have a chronic condition, look for policies that offer this coverage (typically at higher cost).
• Adventure sports: Standard policies may not cover skiing, hiking at altitude, or water sports. If your trip includes these activities, ensure they are covered.
• COVID-19 coverage: Check whether the policy covers COVID-related medical treatment and quarantine costs.

Policy Document Requirements

When submitting your insurance with the visa application, ensure:

1. 1The policy is printed (not just on your phone)
2. 2Your name matches your passport exactly
3. 3Travel dates are clearly stated and match your application
4. 4Coverage amount is stated in euros (€30,000 minimum)
5. 5Geographic coverage states "Schengen" or "worldwide"
6. 6Emergency contact numbers are listed
7. 7Policy number is clearly visible

Cost Estimates by Trip Duration

Travel insurance costs vary based on age, health, and coverage level. These are approximate ranges for standard policies as of September 2026 — treat them as a budgeting guide, not a quote:

For Multiple-Entry Visas

If you are applying for a multiple-entry Schengen visa:

• You must have insurance covering at least your first intended visit (Visa Code Article 15(2))
• For subsequent trips, you can purchase separate policies
• You sign a declaration on the application form confirming that you will hold adequate insurance for future trips
• Annual multi-trip policies can be cost-effective if you travel frequently

Getting Your Insurance Visa Letter

When you submit your Schengen visa application, you must include a printed insurance certificate — often called a "visa letter" — confirming your coverage meets the requirements. This is separate from the policy document itself.

What the visa letter must show:

• Your full name as it appears on your passport
• Policy dates covering your entire trip
• Coverage amount (€30,000 minimum, clearly stated)
• Geographic coverage (all Schengen states)
• Emergency contact numbers

How quickly you get this letter matters. Some providers email it within hours; others take 2-5 business days. If your appointment is approaching, the delay can be stressful. Some online providers like SafetyWing let you download the visa letter instantly from your dashboard, which can help in a pinch — though for planned trips, traditional insurers with exact-date policies are typically better value.

Tips for a Smooth Application

1. 1Purchase from a well-known provider recognised in the country you are applying to
2. 2Buy the policy after your flights are booked so dates align exactly
3. 3Keep digital and printed copies of your policy
4. 4Save the provider's emergency contact number in your phone
5. 5Understand the claims process before you travel
6. 6Report any medical incident immediately to the insurance provider (most require notification within 24-48 hours)
7. 7Keep all receipts and medical reports if you need to make a claim