🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 4 (from laksa145)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa004.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://insurify.com/travel-insurance/schengen-visa-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://insurify.com/travel-insurance/schengen-visa-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/","crawl_time":1775709188,"first_indexed_time":1743222735,"http_code":200,"src_unparsed":"com,insurify!\/travel-insurance\/schengen-visa-insurance\/ s443","src_root_hash":"16374505002796153404","history_drop_reason":null,"meta_title":"Schengen Visa Insurance for Travel to Europe | Insurify","meta_descriptions":["Planning a trip to Europe? Our Schengen visa insurance guide explains what it covers, who needs it, and how to choose a policy to protect your vacation."],"attrs_boilerpipe_text":"Amy Beardsley\nFreelance Insurance and Real Estate Writer\n3+ years writing about auto, home, and life insurance\n7+ years in personal finance and technology\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\nFeatured in\nEvelyn Pimplaskar\nEditor-in-Chief, Director of Content\n10+ years in insurance and personal finance content\n30+ years in media, PR, and content creation\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\nFeatured in\nUpdated\nMarch 27, 2025\nWhy you can trust Insurify:\nComparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our\neditorial team\nfollows a\nrigorous set of editorial standards\nand operates independently from our insurance partners.\nLearn more.\nAdvertiser Disclosure\nAt Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.\nWe do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.\nPlanning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook:\ntravel medical insurance\n. If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad.\nThis guide will explain the steps to get the insurance you need to meet Schengen visa requirements.\nQuick Facts\nSome travelers may need Schengen visa insurance even for short layovers.\n[1]\nSchengen visa insurance costs are relatively affordable, starting at around $26.\nMost U.S. medical insurance plans offer limited or no healthcare coverage in Europe.\nWhat is a Schengen visa?\nA Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa.\nWith it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between.\nThe visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for.\nProtect Your Trip with Travel Insurance\nFind a plan to fit your trip and travel style\nWhat countries require a Schengen visa?\nSchengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries:\n[2]\nAustria\nBelgium\nBulgaria\nCroatia\nCzech Republic\nDenmark\nEstonia\nFinland\nFrance\nGermany\nGreece\nHungary\nIceland\nItaly\nLatvia\nLiechtenstein\nLithuania\nLuxembourg\nMalta\nNetherlands\nNorway\nPoland\nPortugal\nRomania\nSlovakia\nSlovenia\nSpain\nSweden\nSwitzerland\nIf you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization.\n[3]\nDo you need Schengen visa insurance?\nYou might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days.\nWho needs Schengen visa insurance:\nCitizens from countries that need a Schengen visa\nAnyone staying longer than 90 days\nWho doesn’t need it:\nCitizens from exempt countries staying fewer than 90 days\nEU citizens\nDiplomatic passport holders\nMilitary members\nImportant Information\nEven if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S.\nWhat does Schengen visa travel insurance cover?\nTo qualify for a Schengen visa, your Schengen\ntravel insurance\nmust meet certain EU requirements, including:\nCoverage for emergency medical care\nHospitalization coverage\nRepatriation of remains coverage\nMedical evacuation coverage\nAdditionally, the policy’s coverage limit must be at least 30,000 euros (about $32,500 dollars at current conversion rates), and it can’t have a deductible or copay.\n[4]\nHere’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy:\nEmergency or routine medical treatment:\nThis covers\ndoctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets.\nHospital stays:\nThis includes your room and treatment if you need to stay overnight or longer in a hospital.\nEmergency medical evacuation:\nThis covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities.\nRepatriation:\nNo one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens.\nKeep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like\ntrip cancellation\nand lost luggage.\nWhat won’t Schengen travel insurance cover?\nSchengen travel insurance doesn’t cover everything. Some common gaps you should know about include:\nHigh-risk activities\nYour policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing.\nAlcohol- or drug-related incidents\nYour insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol.\nNon-emergency medical care\nPolicies may not cover routine checkups, preventive care, or cosmetic treatments.\nBe sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip.\nHow to get Schengen visa insurance\nSchengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent. \nThe hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms.\nIf you need Schengen visa insurance, here’s how to get it:\nShop around for quotes.\nCheck prices from more than one insurance company to compare rates and coverage.\nVerify that coverage meets the requirements.\nMake sure it meets medical coverage minimums and covers all Schengen countries you’ll visit.\nPurchase your policy.\nYou’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card.\nGet proof of coverage.\nDownload your insurance certificate, as the document proves you have coverage.\nInclude it with your visa application.\nWhen applying, send a copy of your certificate along with your other visa paperwork.\nFind a Travel Plan That Works For You\nCustomize your coverage and find affordable trip insurance\nCost of Schengen visa travel insurance\nLike other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around $26 for a weeklong trip.\nSpending a bit more — say, $33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about $300.\nThe length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing.\nSchengen visa insurance FAQs\nCheck out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements.\nWhich countries require Schengen travel insurance?\nAll 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia.\nDo you need a medical exam to get Schengen visa insurance?\nNo. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go.\nDo you need travel insurance for a short layover in a Schengen visa country?\nIt’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it.\nWill U.S. health insurance cover you in Europe?\nNot usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover.\n[5]\nSources\nEuropean Council\n.\n\"The Schengen visa.\"\nEuropean Commission\n.\n\"Schengen area.\"\nEuropean Travel Information and Authorisation System\n.\n\"A New Travel Authorisation for EU Visitors.\"\nGerman Missions in the United States\n.\n\"Medical Health Insurance.\"\nU.S Department of State - Bureau of Consular Affairs\n.\n\"Insurance Coverage Overseas.\"\nWritten by\nAmy Beardsley\nFreelance Insurance and Real Estate Writer\nAmy Beardsley\nFreelance Insurance and Real Estate Writer\n3+ years writing about auto, home, and life insurance\n7+ years in personal finance and technology\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\nFeatured in\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\nEvelyn Pimplaskar\nEditor-in-Chief, Director of Content\n10+ years in insurance and personal finance content\n30+ years in media, PR, and content creation\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\nFeatured in","attrs_markdown":"[![Insurify](https:\/\/insurifycdn.com\/ui\/logo\/InsurifyWhiteNew.svg)](https:\/\/insurify.com\/)\n\n- Car\n  - ###### Car Insurance\n    Insurify compares cheap car insurance quotes. Unlock savings and exclusive discounts with instant, real-time rates.\n  - ###### Compare\n    - [Compare Car Insurance](https:\/\/insurify.com\/car-insurance\/)\n    - [Best Comparison Sites](https:\/\/insurify.com\/car-insurance\/the-best-and-worst-sites-to-compare-car-insurance-quotes\/)\n    - [Best Car Insurance Companies](https:\/\/insurify.com\/car-insurance\/best-car-insurance\/)\n    - [Cheapest Car Insurance Companies](https:\/\/insurify.com\/car-insurance\/cheap-car-insurance\/)\n    - [No Deposit Car Insurance](https:\/\/insurify.com\/car-insurance\/no-deposit\/)\n    - [Insurify Car](https:\/\/insurify.com\/insurify-car\/)\n  - ###### The Basics\n    - [Car Insurance Discounts](https:\/\/insurify.com\/car-insurance\/discounts\/)\n    - [Car Insurance Calculator](https:\/\/insurify.com\/car-insurance\/calculator\/)\n    - [Average Cost of Car Insurance](https:\/\/insurify.com\/car-insurance\/average-car-insurance-cost\/)\n    - [Car Insurance Information](https:\/\/insurify.com\/car-insurance\/knowledge\/)\n    - [Car Insurance News](https:\/\/insurify.com\/car-insurance\/news\/)\n    - [No Dumb Questions Podcast](https:\/\/insurify.com\/podcast\/)\n  - ###### Popular States\n    - [Car Insurance California](https:\/\/insurify.com\/car-insurance\/california\/)\n    - [Car Insurance Texas](https:\/\/insurify.com\/car-insurance\/texas\/)\n    - [Car Insurance Florida](https:\/\/insurify.com\/car-insurance\/florida\/)\n    - [Car Insurance Georgia](https:\/\/insurify.com\/car-insurance\/georgia\/)\n    - [Car Insurance South Carolina](https:\/\/insurify.com\/car-insurance\/south-carolina\/)\n    - [Car Insurance Pennsylvania](https:\/\/insurify.com\/car-insurance\/pennsylvania\/)\n    - [Car Insurance Indiana](https:\/\/insurify.com\/car-insurance\/indiana\/)\n    - [Rates by State](https:\/\/insurify.com\/car-insurance\/states\/)\n- Home\n  - ###### Home Insurance\n    Protecting your home is quick and easy with instant real-time quotes.\n  - ###### Compare\n    - [Compare Home Insurance](https:\/\/insurify.com\/homeowners-insurance\/)\n    - [Cheapest Homeowners Insurance Companies](https:\/\/insurify.com\/homeowners-insurance\/cheap-home-insurance\/)\n    - [Best Home Insurance Companies](https:\/\/insurify.com\/homeowners-insurance\/best-home-insurance-companies\/)\n    - [Home Insurance by State](https:\/\/insurify.com\/homeowners-insurance\/states\/)\n  - ###### The Basics\n    - [How Much Coverage Do You Need?](https:\/\/insurify.com\/homeowners-insurance\/knowledge\/how-much-home-insurance\/)\n    - [How Much Does Home Insurance Cost?](https:\/\/insurify.com\/homeowners-insurance\/average-cost-of-homeowners-insurance\/)\n    - [Home Insurance Information](https:\/\/insurify.com\/homeowners-insurance\/knowledge\/)\n    - [Home Insurance News](https:\/\/insurify.com\/homeowners-insurance\/news\/)\n- Renters\n  - ###### Renters Insurance\n    Get quotes from renters insurance companies\n  - ###### Compare\n    - [Renters Insurance Quotes](https:\/\/insurify.com\/renters-insurance\/)\n    - [Best Renters Insurance Companies](https:\/\/insurify.com\/renters-insurance\/best-renters-insurance-companies\/)\n    - [Cheapest Renters Insurance](https:\/\/insurify.com\/renters-insurance\/cheap-renters-insurance\/)\n    - [Renters Insurance California](https:\/\/insurify.com\/renters-insurance\/california-renters-insurance\/)\n    - [Renters Insurance Florida](https:\/\/insurify.com\/renters-insurance\/florida-renters-insurance\/)\n    - [Renters Insurance Texas](https:\/\/insurify.com\/renters-insurance\/texas-renters-insurance\/)\n  - ###### The Basics\n    - [How Does Renters Insurance Work?](https:\/\/insurify.com\/renters-insurance\/how-does-renters-insurance-work\/)\n    - [How Much Is Renters Insurance?](https:\/\/insurify.com\/renters-insurance\/knowledge\/how-much-is-renters-insurance\/)\n    - [What Does Renters Insurance Cover?](https:\/\/insurify.com\/renters-insurance\/knowledge\/what-does-renters-insurance-cover\/)\n    - [Is Renters Insurance Worth It?](https:\/\/insurify.com\/renters-insurance\/knowledge\/is-renters-insurance-worth-it\/)\n    - [Renters Insurance Information](https:\/\/insurify.com\/renters-insurance\/knowledge\/)\n- Pet\n  - ###### Pet Insurance\n    Find the best policy to protect your furry friend today.\n  - ###### Compare\n    - [Compare Pet Insurance](https:\/\/insurify.com\/pet-insurance\/)\n    - [Best Pet Insurance](https:\/\/insurify.com\/pet-insurance\/best-pet-insurance\/)\n    - [Best Pet Insurance for Dogs](https:\/\/insurify.com\/pet-insurance\/dog-insurance\/)\n    - [Best Pet Insurance for Cats](https:\/\/insurify.com\/pet-insurance\/cat-insurance\/)\n  - ###### The Basics\n    - [How Much is Pet Insurance?](https:\/\/insurify.com\/pet-insurance\/knowledge\/pet-insurance-cost\/)\n    - [What Does Pet Insurance Cover?](https:\/\/insurify.com\/pet-insurance\/what-does-pet-insurance-cover\/)\n    - [How Does Pet Insurance Work?](https:\/\/insurify.com\/pet-insurance\/knowledge\/how-pet-insurance-works\/)\n    - [Pet Insurance Information](https:\/\/insurify.com\/pet-insurance\/knowledge\/)\n    - [Pet Insurance News](https:\/\/insurify.com\/pet-insurance\/news\/)\n- More Coverage\n  - - [Commercial Auto Quotes](https:\/\/insurify.com\/business-insurance\/commercial-auto\/best\/)\n    - [Business Insurance Quotes](https:\/\/insurify.com\/business-insurance\/)\n    - [Travel Insurance Quotes](https:\/\/insurify.com\/travel-insurance\/)\n    - [Life Insurance Quotes](https:\/\/insurify.com\/life-insurance\/the-best-and-worst-sites-to-compare-life-insurance-quotes\/)\n    - [Health Insurance Quotes](https:\/\/insurify.com\/health-insurance\/)\n    - [Auto Warranty Quotes](https:\/\/insurify.com\/auto-warranty\/)\n    - [Home Warranty Quotes](https:\/\/insurify.com\/home-warranty\/)\n    - [Device Insurance Quotes](https:\/\/insurify.com\/device-insurance\/)\n- Reports\n  - - [Reports](https:\/\/insurify.com\/report\/)\n    - [Insights](https:\/\/insurify.com\/insights\/)\n    - [Insurify Quality Score](https:\/\/insurify.com\/car-insurance\/ratings\/)\n    - [AI in Insurance Report 2025](https:\/\/insurify.com\/car-insurance\/report\/ai-insurance\/)\n    - [Download Our Data](https:\/\/insurify.com\/car-insurance\/report\/data\/)\n    - [Insuring the American Driver 2026](https:\/\/insurify.com\/car-insurance\/report\/)\n    - [Insuring the American Homeowner 2026](https:\/\/insurify.com\/homeowners-insurance\/report\/home-insurance-price-projections\/)\n- About\n  - - [About Us](https:\/\/insurify.com\/company\/about\/)\n    - [Meet the Leadership Team](https:\/\/insurify.com\/company\/leadership\/)\n    - [Contact Us](https:\/\/insurify.com\/company\/contact\/)\n    - [Insurify Reviews](https:\/\/insurify.com\/company\/insurify-reviews\/)\n    - [Insurify Careers](https:\/\/insurify.com\/company\/careers\/)\n    - [Client Support](https:\/\/insurify.com\/company\/client-support\/)\n    - [Partnerships](https:\/\/insurify.com\/company\/partnerships\/)\n    - [Data Partnerships](https:\/\/insurify.com\/company\/data-partnerships\/)\n\n[Call us 1-888-866-0849](tel:+18888660849)[Text us 1-855-627-3925](<sms:+18556273925?body=Hi Insurify>)\n\n[(888) 866-0849](tel:+18888660849)\n\nSign In\n\n- Car\n  - ###### Car Insurance\n    Insurify compares cheap car insurance quotes. Unlock savings and exclusive discounts with instant, real-time rates.\n  - ###### Compare\n    - [Compare Car Insurance](https:\/\/insurify.com\/car-insurance\/)\n    - [Best Comparison Sites](https:\/\/insurify.com\/car-insurance\/the-best-and-worst-sites-to-compare-car-insurance-quotes\/)\n    - [Best Car Insurance Companies](https:\/\/insurify.com\/car-insurance\/best-car-insurance\/)\n    - [Cheapest Car Insurance Companies](https:\/\/insurify.com\/car-insurance\/cheap-car-insurance\/)\n    - [No Deposit Car Insurance](https:\/\/insurify.com\/car-insurance\/no-deposit\/)\n    - [Insurify Car](https:\/\/insurify.com\/insurify-car\/)\n  - ###### The Basics\n    - [Car Insurance Discounts](https:\/\/insurify.com\/car-insurance\/discounts\/)\n    - [Car Insurance Calculator](https:\/\/insurify.com\/car-insurance\/calculator\/)\n    - [Average Cost of Car Insurance](https:\/\/insurify.com\/car-insurance\/average-car-insurance-cost\/)\n    - [Car Insurance Information](https:\/\/insurify.com\/car-insurance\/knowledge\/)\n    - [Car Insurance News](https:\/\/insurify.com\/car-insurance\/news\/)\n    - [No Dumb Questions Podcast](https:\/\/insurify.com\/podcast\/)\n  - ###### Popular States\n    - [Car Insurance California](https:\/\/insurify.com\/car-insurance\/california\/)\n    - [Car Insurance Texas](https:\/\/insurify.com\/car-insurance\/texas\/)\n    - [Car Insurance Florida](https:\/\/insurify.com\/car-insurance\/florida\/)\n    - [Car Insurance Georgia](https:\/\/insurify.com\/car-insurance\/georgia\/)\n    - [Car Insurance South Carolina](https:\/\/insurify.com\/car-insurance\/south-carolina\/)\n    - [Car Insurance Pennsylvania](https:\/\/insurify.com\/car-insurance\/pennsylvania\/)\n    - [Car Insurance Indiana](https:\/\/insurify.com\/car-insurance\/indiana\/)\n    - [Rates by State](https:\/\/insurify.com\/car-insurance\/states\/)\n- Home\n  - ###### Home Insurance\n    Protecting your home is quick and easy with instant real-time quotes.\n  - ###### Compare\n    - [Compare Home Insurance](https:\/\/insurify.com\/homeowners-insurance\/)\n    - [Cheapest Homeowners Insurance Companies](https:\/\/insurify.com\/homeowners-insurance\/cheap-home-insurance\/)\n    - [Best Home Insurance Companies](https:\/\/insurify.com\/homeowners-insurance\/best-home-insurance-companies\/)\n    - [Home Insurance by State](https:\/\/insurify.com\/homeowners-insurance\/states\/)\n  - ###### The Basics\n    - [How Much Coverage Do You Need?](https:\/\/insurify.com\/homeowners-insurance\/knowledge\/how-much-home-insurance\/)\n    - [How Much Does Home Insurance Cost?](https:\/\/insurify.com\/homeowners-insurance\/average-cost-of-homeowners-insurance\/)\n    - [Home Insurance Information](https:\/\/insurify.com\/homeowners-insurance\/knowledge\/)\n    - [Home Insurance News](https:\/\/insurify.com\/homeowners-insurance\/news\/)\n- Renters\n  - ###### Renters Insurance\n    Get quotes from renters insurance companies\n  - ###### Compare\n    - [Renters Insurance Quotes](https:\/\/insurify.com\/renters-insurance\/)\n    - [Best Renters Insurance Companies](https:\/\/insurify.com\/renters-insurance\/best-renters-insurance-companies\/)\n    - [Cheapest Renters Insurance](https:\/\/insurify.com\/renters-insurance\/cheap-renters-insurance\/)\n    - [Renters Insurance California](https:\/\/insurify.com\/renters-insurance\/california-renters-insurance\/)\n    - [Renters Insurance Florida](https:\/\/insurify.com\/renters-insurance\/florida-renters-insurance\/)\n    - [Renters Insurance Texas](https:\/\/insurify.com\/renters-insurance\/texas-renters-insurance\/)\n  - ###### The Basics\n    - [How Does Renters Insurance Work?](https:\/\/insurify.com\/renters-insurance\/how-does-renters-insurance-work\/)\n    - [How Much Is Renters Insurance?](https:\/\/insurify.com\/renters-insurance\/knowledge\/how-much-is-renters-insurance\/)\n    - [What Does Renters Insurance Cover?](https:\/\/insurify.com\/renters-insurance\/knowledge\/what-does-renters-insurance-cover\/)\n    - [Is Renters Insurance Worth It?](https:\/\/insurify.com\/renters-insurance\/knowledge\/is-renters-insurance-worth-it\/)\n    - [Renters Insurance Information](https:\/\/insurify.com\/renters-insurance\/knowledge\/)\n- Pet\n  - ###### Pet Insurance\n    Find the best policy to protect your furry friend today.\n  - ###### Compare\n    - [Compare Pet Insurance](https:\/\/insurify.com\/pet-insurance\/)\n    - [Best Pet Insurance](https:\/\/insurify.com\/pet-insurance\/best-pet-insurance\/)\n    - [Best Pet Insurance for Dogs](https:\/\/insurify.com\/pet-insurance\/dog-insurance\/)\n    - [Best Pet Insurance for Cats](https:\/\/insurify.com\/pet-insurance\/cat-insurance\/)\n  - ###### The Basics\n    - [How Much is Pet Insurance?](https:\/\/insurify.com\/pet-insurance\/knowledge\/pet-insurance-cost\/)\n    - [What Does Pet Insurance Cover?](https:\/\/insurify.com\/pet-insurance\/what-does-pet-insurance-cover\/)\n    - [How Does Pet Insurance Work?](https:\/\/insurify.com\/pet-insurance\/knowledge\/how-pet-insurance-works\/)\n    - [Pet Insurance Information](https:\/\/insurify.com\/pet-insurance\/knowledge\/)\n    - [Pet Insurance News](https:\/\/insurify.com\/pet-insurance\/news\/)\n- More Coverage\n  - - [Commercial Auto Quotes](https:\/\/insurify.com\/business-insurance\/commercial-auto\/best\/)\n    - 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[Insuring the American Homeowner 2026](https:\/\/insurify.com\/homeowners-insurance\/report\/home-insurance-price-projections\/)\n- About\n  - - [About Us](https:\/\/insurify.com\/company\/about\/)\n    - [Meet the Leadership Team](https:\/\/insurify.com\/company\/leadership\/)\n    - [Contact Us](https:\/\/insurify.com\/company\/contact\/)\n    - [Insurify Reviews](https:\/\/insurify.com\/company\/insurify-reviews\/)\n    - [Insurify Careers](https:\/\/insurify.com\/company\/careers\/)\n    - [Client Support](https:\/\/insurify.com\/company\/client-support\/)\n    - [Partnerships](https:\/\/insurify.com\/company\/partnerships\/)\n    - [Data Partnerships](https:\/\/insurify.com\/company\/data-partnerships\/)\n\n[Call us 1-888-866-0849](tel:+18888660849)[Text us 1-855-627-3925](<sms:+18556273925?body=Hi Insurify>)\n\nCompare Quotes\n\nLet’s get you startedSign in or create an account to view your personalized quotes.\n\nContinue with Google\n\nBy continuing, you agree to Insurify's [Terms & Conditions](https:\/\/insurify.com\/company\/terms\/).\n\n# Schengen Visa Insurance for Travel to Europe\n## Schengen visa insurance covers medical emergencies while you explore Europe, and you’ll need it to get your visa approved.\n\nCompare Quotes\n\nPowered by battleface\n\nExcellent\n\n![](https:\/\/a.storyblok.com\/f\/162273\/1856x1392\/786fdb845e\/girl-student-gold.png\/m\/568x0\/smart\/filters:quality\$90\$)\n\n#### Table of contents\n- [Schengen visa](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa)\n- [Schengen visa insurance](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa-insurance)\n- [What it covers](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#what-it-covers)\n- [How to buy it](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#how-to-buy-it)\n- [FAQs](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#faq)\n\n#### Table of contents![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)Compare quotes\n- [Schengen visa](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa)\n- [Schengen visa insurance](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa-insurance)\n- [What it covers](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#what-it-covers)\n- [How to buy it](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#how-to-buy-it)\n- [FAQs](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#faq)\n\n![Amy Beardsley](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/100x100\/smart\/filters:quality\$90\$)\n\nWritten by[Amy Beardsley](https:\/\/insurify.com\/authors\/amy-beardsley\/)\n\n![Photo of an Insurify author](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/56x56\/smart\/filters:quality\$90\$)\n\nAmy BeardsleyFreelance Insurance and Real Estate Writer\n\n- 3+ years writing about auto, home, and life insurance\n- 7+ years in personal finance and technology\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/411x48\/70ed8d84a9\/huffpost-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/296x48\/64cce82b67\/nerdwallet-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/100x100\/smart\/filters:quality\$90\$)\n\nEdited by[Evelyn Pimplaskar](https:\/\/insurify.com\/authors\/evelyn-pimplaskar\/)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/56x56\/smart\/filters:quality\$90\$)\n\nEvelyn PimplaskarEditor-in-Chief, Director of Content\n\n- 10+ years in insurance and personal finance content\n- 30+ years in media, PR, and content creation\n\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/88x25\/7b20e4fa02\/media-logo-yahoo.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/332x48\/1615efb266\/credit_karma-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/335x48\/a0d2c87775\/the-hill-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\nUpdated March 27, 2025\n\n**Why you can trust Insurify:** Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our [editorial team](https:\/\/insurify.com\/authors\/) follows a [rigorous set of editorial standards](https:\/\/insurify.com\/company\/editorial-guidelines\/) and operates independently from our insurance partners. [Learn more.](https:\/\/insurify.com\/company\/trust\/)\n\nAdvertiser Disclosure\n\nAdvertiser Disclosure\n***\nAt Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.\n\nWe do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.\n\n#### Table of contents\n- [Schengen visa](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa)\n- [Schengen visa insurance](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa-insurance)\n- [What it covers](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#what-it-covers)\n- [How to buy it](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#how-to-buy-it)\n- [FAQs](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#faq)\n\n#### Table of contents![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)Compare quotes\n- [Schengen visa](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa)\n- [Schengen visa insurance](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#schengen-visa-insurance)\n- [What it covers](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#what-it-covers)\n- [How to buy it](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#how-to-buy-it)\n- [FAQs](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#faq)\n\nPlanning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook: [**travel medical insurance**](https:\/\/insurify.com\/travel-insurance\/medical-travel-insurance\/). If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad.\n\nThis guide will explain the steps to get the insurance you need to meet Schengen visa requirements.\n\nQuick Facts\n\n- Some travelers may need Schengen visa insurance even for short layovers.[\\[1\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-1)\n- Schengen visa insurance costs are relatively affordable, starting at around \\$26.\n- Most U.S. medical insurance plans offer limited or no healthcare coverage in Europe.\n\n## What is a Schengen visa?\nA Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa.\n\nWith it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between.\n\nThe visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for.\n\n### Protect Your Trip with Travel Insurance\nFind a plan to fit your trip and travel style\n\nGet a Quote\n### What countries require a Schengen visa?\nSchengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries:[\\[2\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-2)\n\n- Austria\n- Belgium\n- Bulgaria\n- Croatia\n- Czech Republic\n- Denmark\n- Estonia\n- Finland\n- France\n- Germany\n- Greece\n- Hungary\n- Iceland\n- Italy\n- Latvia\n\n- Liechtenstein\n- Lithuania\n- Luxembourg\n- Malta\n- Netherlands\n- Norway\n- Poland\n- Portugal\n- Romania\n- Slovakia\n- Slovenia\n- Spain\n- Sweden\n- Switzerland\n\nIf you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization.[\\[3\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-3)\n\n## Do you need Schengen visa insurance?\nYou might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days.\n\nWho needs Schengen visa insurance:\n\n- Citizens from countries that need a Schengen visa\n- Anyone staying longer than 90 days\n\nWho doesn’t need it:\n\n- Citizens from exempt countries staying fewer than 90 days\n- EU citizens\n- Diplomatic passport holders\n- Military members\n\nImportant Information\n\nEven if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S.\n\n## What does Schengen visa travel insurance cover?\nTo qualify for a Schengen visa, your Schengen [**travel insurance**](https:\/\/insurify.com\/travel-insurance\/how-much-is-travel-insurance\/) must meet certain EU requirements, including:\n\n- Coverage for emergency medical care\n- Hospitalization coverage\n- Repatriation of remains coverage\n- Medical evacuation coverage\n\nAdditionally, the policy’s coverage limit must be at least 30,000 euros (about \\$32,500 dollars at current conversion rates), and it can’t have a deductible or copay.[\\[4\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-4)\n\nHere’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy:\n\n- **Emergency or routine medical treatment:** This coversdoctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets.\n- **Hospital stays:** This includes your room and treatment if you need to stay overnight or longer in a hospital.\n- **Emergency medical evacuation:** This covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities.\n- **Repatriation:** No one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens.\n\nKeep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like [**trip cancellation**](https:\/\/insurify.com\/travel-insurance\/knowledge\/cancel-for-any-reason\/) and lost luggage.\n\n### What won’t Schengen travel insurance cover?\nSchengen travel insurance doesn’t cover everything. Some common gaps you should know about include:\n\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/f76792136c\/medical-services-96x96-yellow\\_040-clipboard.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/f76792136c\/medical-services-96x96-yellow_040-clipboard.svg)\n  \n  #### Pre-existing medical conditions\n  Most policies won’t cover flare-ups of [**health issues you already had**](https:\/\/insurify.com\/travel-insurance\/pre-existing-conditions\/) before traveling.\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/x\/6f4511980f\/damage-from-vehicles.svg](https:\/\/a.storyblok.com\/f\/162273\/x\/6f4511980f\/damage-from-vehicles.svg)\n  \n  #### High-risk activities\n  Your policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing.\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/0813fbcbf2\/car-and-driving-96x96-blue\\_022-no-alcohol.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/0813fbcbf2\/car-and-driving-96x96-blue_022-no-alcohol.svg)\n  \n  #### Alcohol- or drug-related incidents\n  Your insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol.\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/19946183bb\/healthcare-and-medical-96x96-orange\\_038-blood-bag.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/19946183bb\/healthcare-and-medical-96x96-orange_038-blood-bag.svg)\n  \n  #### Non-emergency medical care\n  Policies may not cover routine checkups, preventive care, or cosmetic treatments.\n\nBe sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip.\n\n## How to get Schengen visa insurance\nSchengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent.\n\nThe hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms.\n\nIf you need Schengen visa insurance, here’s how to get it:\n\n- **Shop around for quotes.** Check prices from more than one insurance company to compare rates and coverage.\n- **Verify that coverage meets the requirements.** Make sure it meets medical coverage minimums and covers all Schengen countries you’ll visit.\n- **Purchase your policy.** You’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card.\n- **Get proof of coverage.** Download your insurance certificate, as the document proves you have coverage.\n- **Include it with your visa application.** When applying, send a copy of your certificate along with your other visa paperwork.\n\n### Find a Travel Plan That Works For You\nCustomize your coverage and find affordable trip insurance\n\nView My Quote\n### Cost of Schengen visa travel insurance\nLike other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around \\$26 for a weeklong trip.\n\nSpending a bit more — say, \\$33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about \\$300.\n\nThe length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing.\n\n## Schengen visa insurance FAQs\nCheck out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements.\n\n- ### Which countries require Schengen travel insurance?\n  All 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia.\n- ### Do you need a medical exam to get Schengen visa insurance?\n  No. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go.\n- ### Do you need travel insurance for a short layover in a Schengen visa country?\n  It’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it.\n- ### Will U.S. health insurance cover you in Europe?\n  Not usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover.[\\[5\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-5)\n\n### Related articles\n[![Compare Travel Insurance Plans](https:\/\/a.storyblok.com\/f\/162273\/1000x749\/72d2d2554b\/woman-at-airport-looking-at-phone.jpg\/m\/400x300\/smart\/filters:quality\$90\$) Compare Travel Insurance Plans March 20, 2025](https:\/\/insurify.com\/travel-insurance\/)\n\n[![Cheapest Travel Insurance](https:\/\/a.storyblok.com\/f\/162273\/1000x749\/72d2d2554b\/woman-at-airport-looking-at-phone.jpg\/m\/400x300\/smart\/filters:quality\$90\$) Cheapest Travel Insurance March 9, 2025](https:\/\/insurify.com\/travel-insurance\/cheapest-travel-insurance\/)\n\n[![Travel Insurance for Cruises](https:\/\/a.storyblok.com\/f\/162273\/1865x1392\/3223d4453a\/cruise-ship-orange.png\/m\/400x300\/smart\/filters:quality\$90\$) Travel Insurance for Cruises February 24, 2025](https:\/\/insurify.com\/travel-insurance\/cruise-insurance\/)\n\n[![Visitor Insurance for Parents: What to Know](https:\/\/a.storyblok.com\/f\/162273\/1856x1392\/5337ae094e\/people-atairport-aquamarine.png\/m\/400x300\/smart\/filters:quality\$90\$) Visitor Insurance for Parents: What to Know February 28, 2025](https:\/\/insurify.com\/travel-insurance\/visitor-insurance-for-parents\/)\n\n[![Is Flight Insurance Worth It?](https:\/\/a.storyblok.com\/f\/162273\/1856x1392\/f074d463a1\/plane-orange.png\/m\/400x300\/smart\/filters:quality\$90\$) Is Flight Insurance Worth It? February 12, 2025](https:\/\/insurify.com\/travel-insurance\/is-flight-insurance-worth-it\/)\n\n[![What Is Travel Medical Insurance?](https:\/\/a.storyblok.com\/f\/162273\/1856x1392\/9d7da103bb\/suitcases-amethyst.png\/m\/400x300\/smart\/filters:quality\$90\$) What Is Travel Medical Insurance? January 23, 2025](https:\/\/insurify.com\/travel-insurance\/medical-travel-insurance\/)\n\n[![Group Travel Insurance](https:\/\/a.storyblok.com\/f\/162273\/1000x749\/b6989925db\/group-of-tourist-friends-travel.jpg\/m\/400x300\/smart\/filters:quality\$90\$) Group Travel Insurance March 11, 2025](https:\/\/insurify.com\/travel-insurance\/group-travel-insurance\/)\n\n[![What Does Travel Insurance Cover?](https:\/\/a.storyblok.com\/f\/162273\/1856x1392\/5f600aebec\/pregnant-woman-traveling-orange.png\/m\/400x300\/smart\/filters:quality\$90\$) What Does Travel Insurance Cover? February 4, 2025](https:\/\/insurify.com\/travel-insurance\/knowledge\/what-does-travel-insurance-cover\/)\n\n### Sources\n1. [European Council](https:\/\/www.consilium.europa.eu\/en\/infographics\/schengen-visa\/). \"The Schengen visa.\"\n2. [European Commission](https:\/\/home-affairs.ec.europa.eu\/policies\/schengen\/schengen-area_en). \"Schengen area.\"\n3. [European Travel Information and Authorisation System](https:\/\/etias.com\/). \"A New Travel Authorisation for EU Visitors.\"\n4. [German Missions in the United States](https:\/\/www.germany.info\/resource\/blob\/953984\/3b9cb87da4fe613d081c08bd42c1578b\/medical-health-insurance-data.pdf). \"Medical Health Insurance.\"\n5. [U.S Department of State - Bureau of Consular Affairs](https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/your-health-abroad\/Insurance_Coverage_Overseas.html). \"Insurance Coverage Overseas.\"\n\n![Amy Beardsley](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/96x96\/smart\/filters:quality\$90\$)\n\nWritten by[Amy Beardsley](https:\/\/insurify.com\/authors\/amy-beardsley\/)Freelance Insurance and Real Estate Writer\n\n![Photo of an Insurify author](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/56x56\/smart\/filters:quality\$90\$)\n\nAmy BeardsleyFreelance Insurance and Real Estate Writer\n\n- 3+ years writing about auto, home, and life insurance\n- 7+ years in personal finance and technology\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/411x48\/70ed8d84a9\/huffpost-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/296x48\/64cce82b67\/nerdwallet-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\n[![linkedin](https:\/\/insurifycdn.com\/images\/icons\/joyify\/linkedin.svg)](https:\/\/www.linkedin.com\/in\/amybeardsley\/)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/100x100\/smart\/filters:quality\$90\$)\n\nEdited by[Evelyn Pimplaskar](https:\/\/insurify.com\/authors\/evelyn-pimplaskar\/)Editor-in-Chief, Director of Content\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/56x56\/smart\/filters:quality\$90\$)\n\nEvelyn PimplaskarEditor-in-Chief, Director of Content\n\n- 10+ years in insurance and personal finance content\n- 30+ years in media, PR, and content creation\n\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/88x25\/7b20e4fa02\/media-logo-yahoo.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/332x48\/1615efb266\/credit_karma-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/335x48\/a0d2c87775\/the-hill-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\n### Compare Travel Insurance Quotes Instantly\nExcellent\n\n**4\\.7** out of 5 based on **13,269 reviews**\n\nSecure. Free. Easy-to-use.\n\n![Progressive](https:\/\/a.storyblok.com\/f\/162273\/x\/8be93b0f22\/progressive.svg)![Liberty Mutual](https:\/\/a.storyblok.com\/f\/162273\/x\/21b806be35\/libertymutual.svg)![Allstate](https:\/\/a.storyblok.com\/f\/162273\/x\/8e2b1b1459\/allstate.svg)\n\n[Home](https:\/\/insurify.com\/)\\>[Travel Insurance](https:\/\/insurify.com\/travel-insurance\/)\\>Schengen Visa Insurance\n\nCompare![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)\n\n[Compare Car Insurance](https:\/\/insurify.com\/car-insurance\/)[Best Comparison Sites](https:\/\/insurify.com\/car-insurance\/the-best-and-worst-sites-to-compare-car-insurance-quotes\/)[Best Car Insurance](https:\/\/insurify.com\/car-insurance\/best-car-insurance\/)[Cheap Car Insurance](https:\/\/insurify.com\/car-insurance\/cheap-car-insurance\/)[No Deposit Car insurance](https:\/\/insurify.com\/car-insurance\/no-deposit\/)\n\nTrending Articles![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)\n\n[Car Insurance with No License](https:\/\/insurify.com\/car-insurance\/driver\/driving-record\/suspended-license\/)[Car Insurance for Bad Records](https:\/\/insurify.com\/car-insurance\/bad-driving-record\/)[Hugo Car Insurance Review](https:\/\/insurify.com\/car-insurance\/companies\/hugo\/)[Reddit’s Best Car Insurance](https:\/\/insurify.com\/car-insurance\/reddit-car-insurance\/)[Pay As You Go Car Insurance](https:\/\/insurify.com\/car-insurance\/coverage\/pay-as-you-go\/)\n\nLearn More![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)\n\n[Compare Home Insurance Quotes](https:\/\/insurify.com\/homeowners-insurance\/)[Compare Pet Insurance Quotes](https:\/\/insurify.com\/pet-insurance\/)[Compare Health Insurance Quotes](https:\/\/insurify.com\/health-insurance\/)[Compare Renters Insurance Quotes](https:\/\/insurify.com\/renters-insurance\/)[Compare Life Insurance Quotes](https:\/\/insurify.com\/life-insurance\/the-best-and-worst-sites-to-compare-life-insurance-quotes\/)[Compare Travel Insurance Quotes](https:\/\/insurify.com\/travel-insurance\/)\n\nCompany![expand\/collapse](https:\/\/insurifycdn.com\/ui\/icons\/ExpandArrowOutline.svg)\n\n[About Us](https:\/\/insurify.com\/company\/about\/)[Contact Us](https:\/\/insurify.com\/company\/contact\/)[Licenses](https:\/\/insurify.com\/company\/licensing-info\/)[Privacy Policy](https:\/\/insurify.com\/company\/policy\/)[Do Not Sell My Data](https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSeDDJM4i6U4dZdi6LGlK8ye7Znyg7Xc8TZXU8vi7amqTAJzCA\/viewform?usp=sf_link)[Terms of Service](https:\/\/insurify.com\/company\/terms\/)\n\n![Insurify](https:\/\/insurifycdn.com\/ui\/logo\/InsurifyNew.svg)\n\nInsurify Insurance Agency is a [licensed](https:\/\/insurify.com\/company\/licensing-info\/) insurance agency in 50 states and DC.\n\n†Average potential savings based on initial quotes received by 151,494 customers seeking insurance through Insurify. Actual savings may vary depending on state of residence, individual circumstances, coverage selections, and insurance provider. Savings and lowest rates do not reflect typical results.  \n  \n© 2013-2026 Insurify, Inc. All rights reserved.   \n[Terms of Service](https:\/\/insurify.com\/company\/terms\/) \\| [Privacy Policy](https:\/\/insurify.com\/company\/policy\/) \\| [Your Privacy Choices](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/)","attrs_readable_markdown":"![Amy Beardsley](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/100x100\/smart\/filters:quality\$90\$)\n\n![Photo of an Insurify author](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/56x56\/smart\/filters:quality\$90\$)\n\nAmy BeardsleyFreelance Insurance and Real Estate Writer\n\n- 3+ years writing about auto, home, and life insurance\n- 7+ years in personal finance and technology\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/411x48\/70ed8d84a9\/huffpost-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/296x48\/64cce82b67\/nerdwallet-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/100x100\/smart\/filters:quality\$90\$)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/56x56\/smart\/filters:quality\$90\$)\n\nEvelyn PimplaskarEditor-in-Chief, Director of Content\n\n- 10+ years in insurance and personal finance content\n- 30+ years in media, PR, and content creation\n\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/88x25\/7b20e4fa02\/media-logo-yahoo.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/332x48\/1615efb266\/credit_karma-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/335x48\/a0d2c87775\/the-hill-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\nUpdated March 27, 2025\n\n**Why you can trust Insurify:** Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our [editorial team](https:\/\/insurify.com\/authors\/) follows a [rigorous set of editorial standards](https:\/\/insurify.com\/company\/editorial-guidelines\/) and operates independently from our insurance partners. [Learn more.](https:\/\/insurify.com\/company\/trust\/)\n\nAdvertiser Disclosure\n***\nAt Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.\n\nWe do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.\n\nPlanning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook: [**travel medical insurance**](https:\/\/insurify.com\/travel-insurance\/medical-travel-insurance\/). If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad.\n\nThis guide will explain the steps to get the insurance you need to meet Schengen visa requirements.\n\nQuick Facts\n\n- Some travelers may need Schengen visa insurance even for short layovers.[\\[1\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-1)\n- Schengen visa insurance costs are relatively affordable, starting at around \\$26.\n- Most U.S. medical insurance plans offer limited or no healthcare coverage in Europe.\n\n## What is a Schengen visa?\nA Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa.\n\nWith it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between.\n\nThe visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for.\n\n### Protect Your Trip with Travel Insurance\nFind a plan to fit your trip and travel style\n### What countries require a Schengen visa?\nSchengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries:[\\[2\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-2)\n\n- Austria\n- Belgium\n- Bulgaria\n- Croatia\n- Czech Republic\n- Denmark\n- Estonia\n- Finland\n- France\n- Germany\n- Greece\n- Hungary\n- Iceland\n- Italy\n- Latvia\n\n- Liechtenstein\n- Lithuania\n- Luxembourg\n- Malta\n- Netherlands\n- Norway\n- Poland\n- Portugal\n- Romania\n- Slovakia\n- Slovenia\n- Spain\n- Sweden\n- Switzerland\n\nIf you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization.[\\[3\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-3)\n\n## Do you need Schengen visa insurance?\nYou might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days.\n\nWho needs Schengen visa insurance:\n\n- Citizens from countries that need a Schengen visa\n- Anyone staying longer than 90 days\n\nWho doesn’t need it:\n\n- Citizens from exempt countries staying fewer than 90 days\n- EU citizens\n- Diplomatic passport holders\n- Military members\n\nImportant Information\n\nEven if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S.\n\n## What does Schengen visa travel insurance cover?\nTo qualify for a Schengen visa, your Schengen [**travel insurance**](https:\/\/insurify.com\/travel-insurance\/how-much-is-travel-insurance\/) must meet certain EU requirements, including:\n\n- Coverage for emergency medical care\n- Hospitalization coverage\n- Repatriation of remains coverage\n- Medical evacuation coverage\n\nAdditionally, the policy’s coverage limit must be at least 30,000 euros (about \\$32,500 dollars at current conversion rates), and it can’t have a deductible or copay.[\\[4\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-4)\n\nHere’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy:\n\n- **Emergency or routine medical treatment:** This coversdoctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets.\n- **Hospital stays:** This includes your room and treatment if you need to stay overnight or longer in a hospital.\n- **Emergency medical evacuation:** This covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities.\n- **Repatriation:** No one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens.\n\nKeep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like [**trip cancellation**](https:\/\/insurify.com\/travel-insurance\/knowledge\/cancel-for-any-reason\/) and lost luggage.\n\n### What won’t Schengen travel insurance cover?\nSchengen travel insurance doesn’t cover everything. Some common gaps you should know about include:\n\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/f76792136c\/medical-services-96x96-yellow\\_040-clipboard.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/f76792136c\/medical-services-96x96-yellow_040-clipboard.svg)\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/x\/6f4511980f\/damage-from-vehicles.svg](https:\/\/a.storyblok.com\/f\/162273\/x\/6f4511980f\/damage-from-vehicles.svg)\n  \n  #### High-risk activities\n  Your policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing.\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/0813fbcbf2\/car-and-driving-96x96-blue\\_022-no-alcohol.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/0813fbcbf2\/car-and-driving-96x96-blue_022-no-alcohol.svg)\n  \n  #### Alcohol- or drug-related incidents\n  Your insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol.\n- ![illustration card https:\/\/a.storyblok.com\/f\/162273\/150x150\/19946183bb\/healthcare-and-medical-96x96-orange\\_038-blood-bag.svg](https:\/\/a.storyblok.com\/f\/162273\/150x150\/19946183bb\/healthcare-and-medical-96x96-orange_038-blood-bag.svg)\n  \n  #### Non-emergency medical care\n  Policies may not cover routine checkups, preventive care, or cosmetic treatments.\n\nBe sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip.\n\n## How to get Schengen visa insurance\nSchengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent.\n\nThe hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms.\n\nIf you need Schengen visa insurance, here’s how to get it:\n\n- **Shop around for quotes.** Check prices from more than one insurance company to compare rates and coverage.\n- **Verify that coverage meets the requirements.** Make sure it meets medical coverage minimums and covers all Schengen countries you’ll visit.\n- **Purchase your policy.** You’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card.\n- **Get proof of coverage.** Download your insurance certificate, as the document proves you have coverage.\n- **Include it with your visa application.** When applying, send a copy of your certificate along with your other visa paperwork.\n\n### Find a Travel Plan That Works For You\nCustomize your coverage and find affordable trip insurance\n### Cost of Schengen visa travel insurance\nLike other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around \\$26 for a weeklong trip.\n\nSpending a bit more — say, \\$33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about \\$300.\n\nThe length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing.\n\n## Schengen visa insurance FAQs\nCheck out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements.\n\n- ### Which countries require Schengen travel insurance?\n  All 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia.\n- ### Do you need a medical exam to get Schengen visa insurance?\n  No. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go.\n- ### Do you need travel insurance for a short layover in a Schengen visa country?\n  It’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it.\n- ### Will U.S. health insurance cover you in Europe?\n  Not usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover.[\\[5\\]](https:\/\/insurify.com\/travel-insurance\/schengen-visa-insurance\/#cite-5)\n\n### Sources\n1. [European Council](https:\/\/www.consilium.europa.eu\/en\/infographics\/schengen-visa\/). \"The Schengen visa.\"\n2. [European Commission](https:\/\/home-affairs.ec.europa.eu\/policies\/schengen\/schengen-area_en). \"Schengen area.\"\n3. [European Travel Information and Authorisation System](https:\/\/etias.com\/). \"A New Travel Authorisation for EU Visitors.\"\n4. [German Missions in the United States](https:\/\/www.germany.info\/resource\/blob\/953984\/3b9cb87da4fe613d081c08bd42c1578b\/medical-health-insurance-data.pdf). \"Medical Health Insurance.\"\n5. [U.S Department of State - Bureau of Consular Affairs](https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/your-health-abroad\/Insurance_Coverage_Overseas.html). \"Insurance Coverage Overseas.\"\n\n![Amy Beardsley](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/96x96\/smart\/filters:quality\$90\$)\n\nWritten by[Amy Beardsley](https:\/\/insurify.com\/authors\/amy-beardsley\/)Freelance Insurance and Real Estate Writer\n\n![Photo of an Insurify author](https:\/\/a.storyblok.com\/f\/162273\/400x400\/b6841d9ea4\/amy-beardsley.png\/m\/56x56\/smart\/filters:quality\$90\$)\n\nAmy BeardsleyFreelance Insurance and Real Estate Writer\n\n- 3+ years writing about auto, home, and life insurance\n- 7+ years in personal finance and technology\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/411x48\/70ed8d84a9\/huffpost-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/296x48\/64cce82b67\/nerdwallet-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)\n\nAmy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.\n\n[![linkedin](https:\/\/insurifycdn.com\/images\/icons\/joyify\/linkedin.svg)](https:\/\/www.linkedin.com\/in\/amybeardsley\/)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/100x100\/smart\/filters:quality\$90\$)\n\n![Evelyn Pimplaskar](https:\/\/a.storyblok.com\/f\/162273\/2048x2560\/a7aa12137e\/evelyn-headshot-2024.jpeg\/m\/56x56\/smart\/filters:quality\$90\$)\n\nEvelyn PimplaskarEditor-in-Chief, Director of Content\n\n- 10+ years in insurance and personal finance content\n- 30+ years in media, PR, and content creation\n\nEvelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.\n\nFeatured in\n\n![media logo](https:\/\/a.storyblok.com\/f\/162273\/88x25\/7b20e4fa02\/media-logo-yahoo.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/332x48\/1615efb266\/credit_karma-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)![media logo](https:\/\/a.storyblok.com\/f\/162273\/335x48\/a0d2c87775\/the-hill-featured-publication.svg\/m\/0x16\/smart\/filters:quality\$90\$)","meta_canonical":null}

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Boilerpipe Text	Amy Beardsley Freelance Insurance and Real Estate Writer 3+ years writing about auto, home, and life insurance 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Featured in Evelyn Pimplaskar Editor-in-Chief, Director of Content 10+ years in insurance and personal finance content 30+ years in media, PR, and content creation Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions. Featured in Updated March 27, 2025 Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more. Advertiser Disclosure At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site. We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation. Planning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook: travel medical insurance . If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad. This guide will explain the steps to get the insurance you need to meet Schengen visa requirements. Quick Facts Some travelers may need Schengen visa insurance even for short layovers. [1] Schengen visa insurance costs are relatively affordable, starting at around $26. Most U.S. medical insurance plans offer limited or no healthcare coverage in Europe. What is a Schengen visa? A Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa. With it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between. The visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for. Protect Your Trip with Travel Insurance Find a plan to fit your trip and travel style What countries require a Schengen visa? Schengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries: [2] 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 Switzerland If you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization. [3] Do you need Schengen visa insurance? You might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days. Who needs Schengen visa insurance: Citizens from countries that need a Schengen visa Anyone staying longer than 90 days Who doesn’t need it: Citizens from exempt countries staying fewer than 90 days EU citizens Diplomatic passport holders Military members Important Information Even if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S. What does Schengen visa travel insurance cover? To qualify for a Schengen visa, your Schengen travel insurance must meet certain EU requirements, including: Coverage for emergency medical care Hospitalization coverage Repatriation of remains coverage Medical evacuation coverage Additionally, the policy’s coverage limit must be at least 30,000 euros (about $32,500 dollars at current conversion rates), and it can’t have a deductible or copay. [4] Here’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy: Emergency or routine medical treatment: This covers doctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets. Hospital stays: This includes your room and treatment if you need to stay overnight or longer in a hospital. Emergency medical evacuation: This covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities. Repatriation: No one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens. Keep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like trip cancellation and lost luggage. What won’t Schengen travel insurance cover? Schengen travel insurance doesn’t cover everything. Some common gaps you should know about include: High-risk activities Your policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing. Alcohol- or drug-related incidents Your insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol. Non-emergency medical care Policies may not cover routine checkups, preventive care, or cosmetic treatments. Be sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip. How to get Schengen visa insurance Schengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent. The hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms. If you need Schengen visa insurance, here’s how to get it: Shop around for quotes. Check prices from more than one insurance company to compare rates and coverage. Verify that coverage meets the requirements. Make sure it meets medical coverage minimums and covers all Schengen countries you’ll visit. Purchase your policy. You’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card. Get proof of coverage. Download your insurance certificate, as the document proves you have coverage. Include it with your visa application. When applying, send a copy of your certificate along with your other visa paperwork. Find a Travel Plan That Works For You Customize your coverage and find affordable trip insurance Cost of Schengen visa travel insurance Like other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around $26 for a weeklong trip. Spending a bit more — say, $33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about $300. The length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing. Schengen visa insurance FAQs Check out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements. Which countries require Schengen travel insurance? All 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia. Do you need a medical exam to get Schengen visa insurance? No. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go. Do you need travel insurance for a short layover in a Schengen visa country? It’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it. Will U.S. health insurance cover you in Europe? Not usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover. [5] Sources European Council . "The Schengen visa." European Commission . "Schengen area." European Travel Information and Authorisation System . "A New Travel Authorisation for EU Visitors." German Missions in the United States . "Medical Health Insurance." U.S Department of State - Bureau of Consular Affairs . "Insurance Coverage Overseas." Written by Amy Beardsley Freelance Insurance and Real Estate Writer Amy Beardsley Freelance Insurance and Real Estate Writer 3+ years writing about auto, home, and life insurance 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Featured in Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Evelyn Pimplaskar Editor-in-Chief, Director of Content 10+ years in insurance and personal finance content 30+ years in media, PR, and content creation Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions. Featured in
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Continue with Google By continuing, you agree to Insurify's [Terms & Conditions](https://insurify.com/company/terms/). # Schengen Visa Insurance for Travel to Europe ## Schengen visa insurance covers medical emergencies while you explore Europe, and you’ll need it to get your visa approved. Compare Quotes Powered by battleface Excellent ![](https://a.storyblok.com/f/162273/1856x1392/786fdb845e/girl-student-gold.png/m/568x0/smart/filters:quality$90$) #### Table of contents - [Schengen visa](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa) - [Schengen visa insurance](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa-insurance) - [What it covers](https://insurify.com/travel-insurance/schengen-visa-insurance/#what-it-covers) - [How to buy it](https://insurify.com/travel-insurance/schengen-visa-insurance/#how-to-buy-it) - [FAQs](https://insurify.com/travel-insurance/schengen-visa-insurance/#faq) #### Table of contents![expand/collapse](https://insurifycdn.com/ui/icons/ExpandArrowOutline.svg)Compare quotes - [Schengen visa](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa) - [Schengen visa insurance](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa-insurance) - [What it covers](https://insurify.com/travel-insurance/schengen-visa-insurance/#what-it-covers) - [How to buy it](https://insurify.com/travel-insurance/schengen-visa-insurance/#how-to-buy-it) - [FAQs](https://insurify.com/travel-insurance/schengen-visa-insurance/#faq) ![Amy Beardsley](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/100x100/smart/filters:quality$90$) Written by[Amy Beardsley](https://insurify.com/authors/amy-beardsley/) ![Photo of an Insurify author](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/56x56/smart/filters:quality$90$) Amy BeardsleyFreelance Insurance and Real Estate Writer - 3+ years writing about auto, home, and life insurance - 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. 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We do not guarantee favorable reviews or any coverage at all in exchange for compensation. #### Table of contents - [Schengen visa](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa) - [Schengen visa insurance](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa-insurance) - [What it covers](https://insurify.com/travel-insurance/schengen-visa-insurance/#what-it-covers) - [How to buy it](https://insurify.com/travel-insurance/schengen-visa-insurance/#how-to-buy-it) - [FAQs](https://insurify.com/travel-insurance/schengen-visa-insurance/#faq) #### Table of contents![expand/collapse](https://insurifycdn.com/ui/icons/ExpandArrowOutline.svg)Compare quotes - [Schengen visa](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa) - [Schengen visa insurance](https://insurify.com/travel-insurance/schengen-visa-insurance/#schengen-visa-insurance) - [What it covers](https://insurify.com/travel-insurance/schengen-visa-insurance/#what-it-covers) - [How to buy it](https://insurify.com/travel-insurance/schengen-visa-insurance/#how-to-buy-it) - [FAQs](https://insurify.com/travel-insurance/schengen-visa-insurance/#faq) Planning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook: [travel medical insurance](https://insurify.com/travel-insurance/medical-travel-insurance/). If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad. This guide will explain the steps to get the insurance you need to meet Schengen visa requirements. Quick Facts - Some travelers may need Schengen visa insurance even for short layovers.[\[1\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-1) - Schengen visa insurance costs are relatively affordable, starting at around \$26. - Most U.S. medical insurance plans offer limited or no healthcare coverage in Europe. ## What is a Schengen visa? A Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa. With it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between. The visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for. ### Protect Your Trip with Travel Insurance Find a plan to fit your trip and travel style Get a Quote ### What countries require a Schengen visa? Schengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries:[\[2\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-2) - 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 - Switzerland If you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization.[\[3\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-3) ## Do you need Schengen visa insurance? You might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days. Who needs Schengen visa insurance: - Citizens from countries that need a Schengen visa - Anyone staying longer than 90 days Who doesn’t need it: - Citizens from exempt countries staying fewer than 90 days - EU citizens - Diplomatic passport holders - Military members Important Information Even if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S. ## What does Schengen visa travel insurance cover? To qualify for a Schengen visa, your Schengen [travel insurance](https://insurify.com/travel-insurance/how-much-is-travel-insurance/) must meet certain EU requirements, including: - Coverage for emergency medical care - Hospitalization coverage - Repatriation of remains coverage - Medical evacuation coverage Additionally, the policy’s coverage limit must be at least 30,000 euros (about \$32,500 dollars at current conversion rates), and it can’t have a deductible or copay.[\[4\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-4) Here’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy: - Emergency or routine medical treatment: This coversdoctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets. - Hospital stays: This includes your room and treatment if you need to stay overnight or longer in a hospital. - Emergency medical evacuation: This covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities. - Repatriation: No one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens. Keep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like [trip cancellation](https://insurify.com/travel-insurance/knowledge/cancel-for-any-reason/) and lost luggage. ### What won’t Schengen travel insurance cover? Schengen travel insurance doesn’t cover everything. Some common gaps you should know about include: - ![illustration card https://a.storyblok.com/f/162273/150x150/f76792136c/medical-services-96x96-yellow\_040-clipboard.svg](https://a.storyblok.com/f/162273/150x150/f76792136c/medical-services-96x96-yellow_040-clipboard.svg) #### Pre-existing medical conditions Most policies won’t cover flare-ups of [health issues you already had](https://insurify.com/travel-insurance/pre-existing-conditions/) before traveling. - ![illustration card https://a.storyblok.com/f/162273/x/6f4511980f/damage-from-vehicles.svg](https://a.storyblok.com/f/162273/x/6f4511980f/damage-from-vehicles.svg) #### High-risk activities Your policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing. - ![illustration card https://a.storyblok.com/f/162273/150x150/0813fbcbf2/car-and-driving-96x96-blue\_022-no-alcohol.svg](https://a.storyblok.com/f/162273/150x150/0813fbcbf2/car-and-driving-96x96-blue_022-no-alcohol.svg) #### Alcohol- or drug-related incidents Your insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol. - ![illustration card https://a.storyblok.com/f/162273/150x150/19946183bb/healthcare-and-medical-96x96-orange\_038-blood-bag.svg](https://a.storyblok.com/f/162273/150x150/19946183bb/healthcare-and-medical-96x96-orange_038-blood-bag.svg) #### Non-emergency medical care Policies may not cover routine checkups, preventive care, or cosmetic treatments. Be sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip. ## How to get Schengen visa insurance Schengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent. The hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms. If you need Schengen visa insurance, here’s how to get it: - Shop around for quotes. Check prices from more than one insurance company to compare rates and coverage. - Verify that coverage meets the requirements. Make sure it meets medical coverage minimums and covers all Schengen countries you’ll visit. - Purchase your policy. You’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card. - Get proof of coverage. Download your insurance certificate, as the document proves you have coverage. - Include it with your visa application. When applying, send a copy of your certificate along with your other visa paperwork. ### Find a Travel Plan That Works For You Customize your coverage and find affordable trip insurance View My Quote ### Cost of Schengen visa travel insurance Like other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around \$26 for a weeklong trip. Spending a bit more — say, \$33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about \$300. The length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing. ## Schengen visa insurance FAQs Check out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements. - ### Which countries require Schengen travel insurance? All 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia. - ### Do you need a medical exam to get Schengen visa insurance? No. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go. - ### Do you need travel insurance for a short layover in a Schengen visa country? It’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it. - ### Will U.S. health insurance cover you in Europe? Not usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover.[\[5\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-5) ### Related articles [![Compare Travel Insurance Plans](https://a.storyblok.com/f/162273/1000x749/72d2d2554b/woman-at-airport-looking-at-phone.jpg/m/400x300/smart/filters:quality$90$) Compare Travel Insurance Plans March 20, 2025](https://insurify.com/travel-insurance/) [![Cheapest Travel Insurance](https://a.storyblok.com/f/162273/1000x749/72d2d2554b/woman-at-airport-looking-at-phone.jpg/m/400x300/smart/filters:quality$90$) Cheapest Travel Insurance March 9, 2025](https://insurify.com/travel-insurance/cheapest-travel-insurance/) [![Travel Insurance for Cruises](https://a.storyblok.com/f/162273/1865x1392/3223d4453a/cruise-ship-orange.png/m/400x300/smart/filters:quality$90$) Travel Insurance for Cruises February 24, 2025](https://insurify.com/travel-insurance/cruise-insurance/) [![Visitor Insurance for Parents: What to Know](https://a.storyblok.com/f/162273/1856x1392/5337ae094e/people-atairport-aquamarine.png/m/400x300/smart/filters:quality$90$) Visitor Insurance for Parents: What to Know February 28, 2025](https://insurify.com/travel-insurance/visitor-insurance-for-parents/) [![Is Flight Insurance Worth It?](https://a.storyblok.com/f/162273/1856x1392/f074d463a1/plane-orange.png/m/400x300/smart/filters:quality$90$) Is Flight Insurance Worth It? 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[European Council](https://www.consilium.europa.eu/en/infographics/schengen-visa/). "The Schengen visa." 2. [European Commission](https://home-affairs.ec.europa.eu/policies/schengen/schengen-area_en). "Schengen area." 3. [European Travel Information and Authorisation System](https://etias.com/). "A New Travel Authorisation for EU Visitors." 4. [German Missions in the United States](https://www.germany.info/resource/blob/953984/3b9cb87da4fe613d081c08bd42c1578b/medical-health-insurance-data.pdf). "Medical Health Insurance." 5. [U.S Department of State - Bureau of Consular Affairs](https://travel.state.gov/content/travel/en/international-travel/before-you-go/your-health-abroad/Insurance_Coverage_Overseas.html). "Insurance Coverage Overseas." ![Amy Beardsley](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/96x96/smart/filters:quality$90$) Written by[Amy Beardsley](https://insurify.com/authors/amy-beardsley/)Freelance Insurance and Real Estate Writer ![Photo of an Insurify author](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/56x56/smart/filters:quality$90$) Amy BeardsleyFreelance Insurance and Real Estate Writer - 3+ years writing about auto, home, and life insurance - 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Featured in ![media logo](https://a.storyblok.com/f/162273/411x48/70ed8d84a9/huffpost-featured-publication.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/296x48/64cce82b67/nerdwallet-featured-publication.svg/m/0x16/smart/filters:quality$90$) Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. 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Readable Markdown	![Amy Beardsley](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/100x100/smart/filters:quality$90$) ![Photo of an Insurify author](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/56x56/smart/filters:quality$90$) Amy BeardsleyFreelance Insurance and Real Estate Writer - 3+ years writing about auto, home, and life insurance - 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Featured in ![media logo](https://a.storyblok.com/f/162273/411x48/70ed8d84a9/huffpost-featured-publication.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/296x48/64cce82b67/nerdwallet-featured-publication.svg/m/0x16/smart/filters:quality$90$) ![Evelyn Pimplaskar](https://a.storyblok.com/f/162273/2048x2560/a7aa12137e/evelyn-headshot-2024.jpeg/m/100x100/smart/filters:quality$90$) ![Evelyn Pimplaskar](https://a.storyblok.com/f/162273/2048x2560/a7aa12137e/evelyn-headshot-2024.jpeg/m/56x56/smart/filters:quality$90$) Evelyn PimplaskarEditor-in-Chief, Director of Content - 10+ years in insurance and personal finance content - 30+ years in media, PR, and content creation Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions. Featured in ![media logo](https://a.storyblok.com/f/162273/88x25/7b20e4fa02/media-logo-yahoo.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/332x48/1615efb266/credit_karma-featured-publication.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/335x48/a0d2c87775/the-hill-featured-publication.svg/m/0x16/smart/filters:quality$90$) Updated March 27, 2025 Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our [editorial team](https://insurify.com/authors/) follows a [rigorous set of editorial standards](https://insurify.com/company/editorial-guidelines/) and operates independently from our insurance partners. [Learn more.](https://insurify.com/company/trust/) Advertiser Disclosure * At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site. We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation. Planning an extended European adventure to France, Italy, or any of the 29 Schengen countries requires one detail you might overlook: [travel medical insurance](https://insurify.com/travel-insurance/medical-travel-insurance/). If you plan to stay in Europe for more than 90 days, you’ll need a Schengen visa. It’s important to note you won’t be able to get one without Schengen visa insurance to cover emergency medical care when you’re abroad. This guide will explain the steps to get the insurance you need to meet Schengen visa requirements. Quick Facts - Some travelers may need Schengen visa insurance even for short layovers.[\[1\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-1) - Schengen visa insurance costs are relatively affordable, starting at around \$26. - Most U.S. medical insurance plans offer limited or no healthcare coverage in Europe. ## What is a Schengen visa? A Schengen visa is a short-stay permit that lets travelers enter and travel freely throughout the Schengen area. If you’re from the U.S., Canada, or Australia and plan to stay in Europe for more than 90 days, you’ll need this visa. With it, you can access 29 European countries without needing separate visas for each. That means exploring without having to stop at border checkpoints in between. The visa typically allows stays of up to 90 days within a 180-day window. That’s plenty of time for family visits, backpacking through multiple countries, business meetings, or taking that long-awaited European vacation you’ve been saving for. ### Protect Your Trip with Travel Insurance Find a plan to fit your trip and travel style ### What countries require a Schengen visa? Schengen visas open up travel throughout the Schengen area, which includes 25 EU member states and four non-EU countries:[\[2\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-2) - 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 - Switzerland If you’re from the U.S., Canada, Australia, New Zealand, or certain other countries, you won’t need a Schengen visa for short trips (up to 90 days). But the European Travel Information and Authorisation System (ETIAS), launched in 2025, means you’ll need to fill out an online application to get an electronic travel authorization.[\[3\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-3) ## Do you need Schengen visa insurance? You might be able to skip Schengen visa insurance if you’re from the U.S., Canada, Australia, New Zealand, or specific other countries and stay 90 days or less. But it’s mandatory if you’re from a country that requires a Schengen visa or you plan to stay longer than 90 days. Who needs Schengen visa insurance: - Citizens from countries that need a Schengen visa - Anyone staying longer than 90 days Who doesn’t need it: - Citizens from exempt countries staying fewer than 90 days - EU citizens - Diplomatic passport holders - Military members Important Information Even if you’re exempt, consider getting Schengen visa insurance to avoid paying for an emergency medical expense while abroad. Most U.S. health insurance, including Medicare, won’t pay for expenses outside the U.S. ## What does Schengen visa travel insurance cover? To qualify for a Schengen visa, your Schengen [travel insurance](https://insurify.com/travel-insurance/how-much-is-travel-insurance/) must meet certain EU requirements, including: - Coverage for emergency medical care - Hospitalization coverage - Repatriation of remains coverage - Medical evacuation coverage Additionally, the policy’s coverage limit must be at least 30,000 euros (about \$32,500 dollars at current conversion rates), and it can’t have a deductible or copay.[\[4\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-4) Here’s what you’ll typically get with travel medical insurance, including a Schengen visa insurance policy: - Emergency or routine medical treatment: This coversdoctor visits and urgent care situations, such as waking up with a fever or twisting your ankle on those charming (but uneven) cobblestone streets. - Hospital stays: This includes your room and treatment if you need to stay overnight or longer in a hospital. - Emergency medical evacuation: This covers transportation to a proper medical facility if you’re seriously hurt. It could be especially important if you’re exploring remote areas away from major cities. - Repatriation: No one likes thinking about this one, but it covers getting you (or your remains) back home if the worst happens. Keep in mind that policies vary depending on the insurance company you choose. You might get bare-bones coverage that’s just enough to meet visa requirements, or upgraded protection like [trip cancellation](https://insurify.com/travel-insurance/knowledge/cancel-for-any-reason/) and lost luggage. ### What won’t Schengen travel insurance cover? Schengen travel insurance doesn’t cover everything. Some common gaps you should know about include: - ![illustration card https://a.storyblok.com/f/162273/150x150/f76792136c/medical-services-96x96-yellow\_040-clipboard.svg](https://a.storyblok.com/f/162273/150x150/f76792136c/medical-services-96x96-yellow_040-clipboard.svg) - ![illustration card https://a.storyblok.com/f/162273/x/6f4511980f/damage-from-vehicles.svg](https://a.storyblok.com/f/162273/x/6f4511980f/damage-from-vehicles.svg) #### High-risk activities Your policy might not cover injuries from adventure sports and extreme activities, like bungee jumping or black-diamond skiing. - ![illustration card https://a.storyblok.com/f/162273/150x150/0813fbcbf2/car-and-driving-96x96-blue\_022-no-alcohol.svg](https://a.storyblok.com/f/162273/150x150/0813fbcbf2/car-and-driving-96x96-blue_022-no-alcohol.svg) #### Alcohol- or drug-related incidents Your insurer will likely deny claims for injury or illness that happens while you’re under the influence of drugs or alcohol. - ![illustration card https://a.storyblok.com/f/162273/150x150/19946183bb/healthcare-and-medical-96x96-orange\_038-blood-bag.svg](https://a.storyblok.com/f/162273/150x150/19946183bb/healthcare-and-medical-96x96-orange_038-blood-bag.svg) #### Non-emergency medical care Policies may not cover routine checkups, preventive care, or cosmetic treatments. Be sure to read through your travel insurance policy to understand what it doesn’t cover, so you don’t have any surprise medical expenses during your trip. ## How to get Schengen visa insurance Schengen visa insurance is available online from medical travel insurance companies, comparison sites, or sometimes through your travel agent. The hardest part is choosing between all the options. One thing to watch for is the wording on your insurance certificate. Some countries require it to list specific coverage amounts and terms. If you need Schengen visa insurance, here’s how to get it: - Shop around for quotes. Check prices from more than one insurance company to compare rates and coverage. - Verify that coverage meets the requirements. Make sure it meets medical coverage minimums and covers all Schengen countries you’ll visit. - Purchase your policy. You’ll need basic information like travel dates and personal details, but you can usually buy your policy with a credit card. - Get proof of coverage. Download your insurance certificate, as the document proves you have coverage. - Include it with your visa application.** When applying, send a copy of your certificate along with your other visa paperwork. ### Find a Travel Plan That Works For You Customize your coverage and find affordable trip insurance ### Cost of Schengen visa travel insurance Like other travel medical policies, Schengen visa insurance is surprisingly affordable. Basic coverage starts at around \$26 for a weeklong trip. Spending a bit more — say, \$33 — gets you higher coverage limits and valuable extras like trip-cancellation benefits or evacuation coverage for natural disasters. If you’re making multiple European trips or don’t have exact travel dates, you might opt for an annual plan, running about \$300. The length of your trip plays a significant role in how much you’ll pay. Longer trips cost more. But your age, coverage level, and which insurance company you choose also affect pricing. ## Schengen visa insurance FAQs Check out the answers to some common questions travelers have about Schengen visa insurance to help you navigate the requirements. - ### Which countries require Schengen travel insurance? All 29 Schengen countries require proof of insurance. It’s mandatory documentation when submitting your visa application. This means you’ll need coverage to travel to France, Italy, Spain, and even smaller countries like Malta or Slovenia. - ### Do you need a medical exam to get Schengen visa insurance? No. You won’t need to worry about a medical exam to get Schengen visa insurance. You’ll answer some basic health questions when getting a quote, and you’re good to go. - ### Do you need travel insurance for a short layover in a Schengen visa country? It’s possible. If you have a layover in any of the Schengen countries, you might need an airport transit visa — even for a short connection. And if you need that, you’ll need a Schengen visa medical insurance policy, too. But even if you’re not required to buy travel medical insurance, it’s a good idea to have it. - ### Will U.S. health insurance cover you in Europe? Not usually. Most U.S. medical insurance plans don’t cover you when traveling internationally. Medicare and Medicaid don’t pay for medical care outside the U.S., and other health insurance companies typically limit how much — if anything — they’ll cover.[\[5\]](https://insurify.com/travel-insurance/schengen-visa-insurance/#cite-5) ### Sources 1. [European Council](https://www.consilium.europa.eu/en/infographics/schengen-visa/). "The Schengen visa." 2. [European Commission](https://home-affairs.ec.europa.eu/policies/schengen/schengen-area_en). "Schengen area." 3. [European Travel Information and Authorisation System](https://etias.com/). "A New Travel Authorisation for EU Visitors." 4. [German Missions in the United States](https://www.germany.info/resource/blob/953984/3b9cb87da4fe613d081c08bd42c1578b/medical-health-insurance-data.pdf). "Medical Health Insurance." 5. [U.S Department of State - Bureau of Consular Affairs](https://travel.state.gov/content/travel/en/international-travel/before-you-go/your-health-abroad/Insurance_Coverage_Overseas.html). "Insurance Coverage Overseas." ![Amy Beardsley](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/96x96/smart/filters:quality$90$) Written by[Amy Beardsley](https://insurify.com/authors/amy-beardsley/)Freelance Insurance and Real Estate Writer ![Photo of an Insurify author](https://a.storyblok.com/f/162273/400x400/b6841d9ea4/amy-beardsley.png/m/56x56/smart/filters:quality$90$) Amy BeardsleyFreelance Insurance and Real Estate Writer - 3+ years writing about auto, home, and life insurance - 7+ years in personal finance and technology Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. Featured in ![media logo](https://a.storyblok.com/f/162273/411x48/70ed8d84a9/huffpost-featured-publication.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/296x48/64cce82b67/nerdwallet-featured-publication.svg/m/0x16/smart/filters:quality$90$) Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories. [![linkedin](https://insurifycdn.com/images/icons/joyify/linkedin.svg)](https://www.linkedin.com/in/amybeardsley/) ![Evelyn Pimplaskar](https://a.storyblok.com/f/162273/2048x2560/a7aa12137e/evelyn-headshot-2024.jpeg/m/100x100/smart/filters:quality$90$) ![Evelyn Pimplaskar](https://a.storyblok.com/f/162273/2048x2560/a7aa12137e/evelyn-headshot-2024.jpeg/m/56x56/smart/filters:quality$90$) Evelyn PimplaskarEditor-in-Chief, Director of Content - 10+ years in insurance and personal finance content - 30+ years in media, PR, and content creation Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions. Featured in ![media logo](https://a.storyblok.com/f/162273/88x25/7b20e4fa02/media-logo-yahoo.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/332x48/1615efb266/credit_karma-featured-publication.svg/m/0x16/smart/filters:quality$90$)![media logo](https://a.storyblok.com/f/162273/335x48/a0d2c87775/the-hill-featured-publication.svg/m/0x16/smart/filters:quality$90$)
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