FAQs on Schengen Visa Insurance: Everything You Need to Know

FAQs on Schengen Visa Insurance: Everything You Need to Know

Discover the allure of Europe, a popular travel destination offering an abundance of attractions for all ages. However, when exploring the Schengen Area, it is crucial to prioritize your protection. This article provides all the answers to FAQs on Schengen Visa Insurance and its requirements. Join us as we navigate the travel landscape, empowering you with the knowledge to ensure a safe and secure journey. Prepare to explore the Schengen Area with confidence, knowing that your travel needs are protected.

1. What is Schengen Visa Insurance?

Schengen visa insurance is a type of insurance coverage for individuals traveling to any of the 26 countries within the Schengen Area. A Schengen Visa allows entry and travel within the Schengen area, for which applicants must provide proof of travel medical insurance to meet the criteria. This insurance helps meet possible medical expenses, such as hospitalization, emergency medical treatment, and repatriation, in case of illness or injury during your stay in the Schengen area.

2. Who needs Schengen Visa Insurance?

Procuring Schengen Visa Insurance is a mandatory requirement for passport-holding citizens of most of the countries that are planning to visit any country in the Schengen area. The Schengen travel health insurance plan must meet the minimum coverage limit as per Schengen visa regulations. This applies to tourists, business travelers, students, and individuals visiting family or friends.

3. Is Schengen Travel Health Insurance Mandatory?

Yes, Schengen Travel Health Insurance is mandatory for anyone that is from a country that must compulsorily apply for a Schengen visa. A Schengen Travel Health Insurance ensures you have adequate financial coverage for medical emergencies that could arise during your stay.

4. Schengen Visa Insurance Requirements?

To meet the Schengen visa insurance requirements, make sure your policy has the following features:

  • Minimum coverage of euros €30,000 (or equivalent in other currencies)
  • Coverage for medical emergencies, hospitalization, and repatriation
  • Validity throughout the Schengen area for the duration of your stay
  • No deductible or a very low deductible amount
  • Coverage for the entire duration of your visa, including any planned extensions

5. How to Get Schengen Travel Health Insurance?

It is a relatively straightforward process to obtain Schengen Travel Health Insurance. Work with a reputable insurance provider, such as VisitorPLANS, to apply for the right insurance for your needs. It is important to pay attention to the requirements as outlined by the consulate or embassy of the country in the Schengen region you plan to visit.

6. What is the First Point of Entry for a Schengen Visa?

The first point of entry typically implies the first Schengen country you will arrive in. This country will process your passport upon entering the Schengen area and perform the necessary immigration checks.

7. What Does Visa Insurance Cover?

Schengen visa insurance typically covers the following:

  • Emergency medical treatment for illness or injury
  • Hospitalization and surgical procedures
  • Repatriation of remains in case of death
  • Emergency medical evacuation and transportation back to your home country

It’s important to carefully read the terms and conditions of your insurance policy to understand the coverage provided.

8. Do Americans Need Schengen Travel Health Insurance?

Passport-holding American citizens do not need Schengen travel health insurance, but it is highly recommended when traveling to the Schengen area. It is important to note that the US government does not offer medical insurance or pay medical bills for US citizens traveling or living overseas.

It is, therefore, highly recommended to purchase a suitable travel health insurance plan that will pay for medical emergencies when traveling in a Schengen country. Ensure you have sufficient coverage on your health insurance policy to meet the eligibility criteria for Schengen Visa applications. If your domestic insurance policy offers coverage for traveling outside the US, remember to carry your insurance identification card and claim contact information.

9. Benefits of Travel Health Insurance for Schengen Visa?

Travel health insurance for Schengen visa offers several benefits, including:

  • Financial protection against expensive medical treatments
  • Peace of mind knowing that you are covered in case of emergencies
  • Emergency medical evacuation
  • Repatriation of mortal remains

10. Which Travel Health Insurance is Best for a Schengen Visa?

Travel Health Insurance for a Schengen visa holder covers expenses related to medical needs, repatriation, and other expenses that may occur during your travel in the Schengen area. We highly recommend selecting an insurance policy from a reputable insurance provider that offers comprehensive coverage, affordable premiums, and excellent customer service. Compare different policies and go over customer reviews for various policies.

11. What Type of Insurance is Required for a Schengen Visa?

Regardless of the purpose of your trip, it is highly recommended to purchase comprehensive coverage plans to cover you for the entire duration of your stay, such as Atlas International and Patriot International. These types of insurance plans will provide you with adequate coverage during your stay in the Schengen country.

12. Is Medical Insurance Mandatory for a Schengen Visa?

Yes, medical insurance is mandatory for Schengen visa holders. Travel medical insurance simply ensures that travelers have the financial coverage they need to undergo any medical treatment they may need while in the Schengen country.

13. Do We Need Health Insurance for a Schengen Visa?

Yes, you absolutely need travel health insurance when on a Schengen visa. Having health insurance provides you with financial protection and access to medical services during your stay.

14. Is Schengen Travel Health Insurance Refundable?

Schengen travel health insurance policies are refundable as per the terms and conditions of your policy. Some insurance providers may offer a refund in certain circumstances, such as the rejection of a visa application or if your trip is canceled before the start date of the policy. It is crucial to carefully review the refund policy of the insurance provider before purchasing the policy.

15. Do US Citizens Need Travel Health Insurance for Europe?

It is not required, but it is highly recommended to purchase travel health insurance for US citizens traveling to Europe. You want to be in the best of health to enjoy every second of your trip to Europe. Plus, the cost of healthcare in Europe can be high, and having travel health insurance provides you peace of mind by offering adequate coverage for your trip.

16. Will My US Health Insurance Cover Me in Europe?

It is important to check with your US health insurance provider to determine if your policy offers coverage for medical expenses incurred in Europe. Some US health insurance plans may offer limited coverage for emergencies abroad, while others may not cover international medical expenses at all. If your US health insurance does not provide adequate coverage, it is essential to purchase separate travel health insurance for your trip to Europe.

17. Does Travel Health Insurance Cover All of Europe?

Travel health insurance typically covers medical expenses that occur in any of the 26 countries within the Schengen area. Check the coverage area with your insurance agent before purchasing the plan.

18. Which Travel Health Insurance is Best for a European Visa?

Medical complications are unpredictable and a part of life. We highly recommend travel health insurance plans, such as Atlas International and Patriot International, for a European Visa. Both are travel medical insurance plans that provide coverage outside the USA and are ideal for those visiting Schengen countries or traveling to Europe for work. On purchasing a policy with coverage as required by the Schengen country, the insurance provider must provide proof of coverage in the policy confirmation and present a visa letter. If one is not provided, kindly request your insurance provider to furnish one with the necessary policy coverage information.

19. How Much Travel Health Insurance Do I Need for a Schengen Visa?

The minimum required coverage for travel health insurance for a Schengen visa is euros €30,000. However, it is impossible to predict expenses, especially if your trip has surprise elements. The cost of medical treatments can vary significantly, depending on the country and the severity of the condition. We recommend selecting a policy with a higher coverage to ensure you have sufficient financial protection in case of unforeseen medical emergencies.

20. Should Travel Visa Insurance Policy Cover All Schengen Area Countries?

Yes, your travel visa insurance policy should cover all Schengen area countries. The policy must be valid for the entire duration of your stay in the Schengen area and provide coverage in all the countries you plan to visit. Ensure that your policy meets this requirement to avoid any issues with your visa application.


In conclusion, Schengen visa insurance is an important requirement for Schengen visa holders. If you have a trip to Europe on the cards, a suitable travel health insurance policy can offer you financial protection from medical expenses, the best medical treatment, and overall, offer you peace of mind in case of medical emergencies during your trip. Just review the requirements carefully before choosing a policy that meets your needs, and enjoy your journey to Europe with confidence.

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