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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 97 (from laksa024)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa097.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://money.com/what-is-schengen-travel-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://money.com/what-is-schengen-travel-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/money.com\/what-is-schengen-travel-insurance\/","crawl_time":1775784840,"first_indexed_time":1710310248,"http_code":200,"src_unparsed":"com,money!\/what-is-schengen-travel-insurance\/ s443","src_root_hash":"4541926376154389497","history_drop_reason":null,"meta_title":"What Is Schengen Travel Insurance? | Money","meta_descriptions":["Learn about the ins and outs of Schengen travel insurance, including what it covers and whether you’ll need it for your upcoming trip to Europe."],"attrs_boilerpipe_text":"We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included.\nLearn more\n.\nWhat Is Schengen Travel Insurance? | Quick Answer\nSchengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.\nRead on to learn more about Schengen visa travel insurance requirements and find the\nbest travel insurance\npolicy for your upcoming trip.\nTable of contents\nWhat is Schengen travel insurance?\nSchengen countries\nVisa and travel insurance requirements for the Schengen Area\nKey coverages in Schengen travel insurance\nHow to get Schengen travel insurance\nSchengen travel insurance FAQs\nSummary of Money's guide to Schengen travel insurance\nWhat is Schengen travel insurance?\nSchengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.\nMany visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.\nHowever, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.\nSchengen countries\nThe Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the\nbest places to visit in Europe\n, including France, Italy, Germany, Spain, Greece and the Netherlands.\nHere's the complete list:\nAustria\nGreece\nNorway\nBelgium\nHungary\nPoland\nBulgaria (as of March, 2024)\nIceland\nPortugal\nCroatia\nItaly\nRomania (as of March, 2024)\nCzech Republic\nLatvia\nSlovakia\nDenmark\nLiechtenstein\nSlovenia\nEstonia\nLithuania\nSpain\nFinland\nLuxembourg\nSweden\nFrance\nMalta\nSwitzerland\nGermany\nNetherlands\n \nIreland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.\nVisa and travel insurance requirements for the Schengen Area\nHaving a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.\nOnce officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.\nShort stays don't require\ntravel medical insurance\neither, though\ntravel insurance may still be worth it\n. That could be especially true if you plan to participate in adventure sports or other high-risk activities.\nTravel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the\nbest travel credit cards\nthat offer insurance.\nEuropean Travel Information and Authorisation System (ETIAS)\nTravel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.\nHere's what you need to know:\nYou must complete an online application and pay a small fee for an ETIAS authorization.\nThe authorization is tied to your passport and is valid for three years or until your passport expires.\nWith a valid travel authorization, you can enter\n30 European countries\nfor short stays of up to 90 days within a 180-day period.\nETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.\nThe above applies to people from the U.S., Canada and dozens of other countries, so check the\nE.U.’s official travel website\nor your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance.\nSchengen visa requirements\nYou'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.\nDetermine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.\nSchengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.\nBesides the application form, the following are required to obtain a Schengen visa:\nValid passport:\nYour passport must be valid for at least three months after departure.\nPassport photo:\nYou must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.\nTravel medical insurance:\nYou must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay.\nDocumentation:\nYou must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.\nFingerprints:\nMost, but not all, applicants will be required to submit their fingerprints along with their application.\nConsulates of particular countries may require additional documentation.\nAds by Money. We may be compensated if you click this ad.\nAd\nKey coverages in Schengen travel insurance\nUnderstanding\nwhat travel insurance covers\ncan help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers.\nMedical expenses:\nTravel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.\nMedical repatriation:\nSome travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.\nRepatriation of remains:\nAs the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.\n24\/7 Travel Assistance:\nTravel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.\nNote that some companies may require you to meet a deductible for the travel medical plan to start paying out.\nOther travel-related coverage options\nMost travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile.\nTrip cancellation and trip interruption:\nCovers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.\nBaggage loss or delay:\nHelps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.\nDelayed flights and missed connections:\nProvides compensation for additional expenses caused by inconveniences such as delays or missed connections.\nHow to get Schengen travel insurance\nIt's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.\nHere are some steps to help you get the right coverage.\n1. Research reputable travel insurance providers\nMost travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.\n2. Select a plan that meets your needs and get a quote\nRemember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.\nIt also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.\n3. Read your policy details\nWhen shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.\nIf you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.\n4. Get to know the claims process\nSimilarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills.\nAfter a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.\n5. Purchase and safeguard your policy\nYou will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.\nIt may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.\nAds by Money. We may be compensated if you click this ad.\nAd\nSchengen travel insurance FAQs\nShould I get travel insurance for Europe?\nchevron-down\nchevron-up\nTravel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.\nVisa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area.\nHow much travel insurance do I need for Europe?\nchevron-down\nchevron-up\nThe minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions.\nWhat countries does Europe travel insurance cover?\nchevron-down\nchevron-up\nTravel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more.\nSummary of Money's guide to Schengen travel insurance\nThe first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.\nCheck with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.\nYou don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.\nIf you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).","attrs_markdown":"[![Money](https:\/\/money.com\/img\/money_500x140_1.png)](https:\/\/money.com\/)\n\n- [Credit](https:\/\/money.com\/credit\/)\n  - 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[Travel Insurance](https:\/\/money.com\/travel-insurance\/)\n\nShare\n\n**Share**\n\nPage URL\n\nhttps:\/\/money.com\/what-is-schengen-travel-insurance\/\n\n![](data:image\/png;base64,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)\n\nLink copied\\!\n# What Is Schengen Travel Insurance?\n\n**By:**\n\n[Heather Cottrell](https:\/\/money.com\/author\/heather-cottrell\/)\n\n![Heather Cottrell, Staff Writer at Money](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\n[Heather Cottrell](https:\/\/money.com\/author\/heather-cottrell\/)\n\nStaff Writer \\| Joined April 2026\n\nHas also written:\n\n- [Gerber Life Insurance Review](https:\/\/money.com\/gerber-life-insurance-review\/)\n- [Australia Travel Guide](https:\/\/money.com\/australia-travel-guide\/)\n- [Liberty Mutual Life Insurance Review](https:\/\/money.com\/liberty-mutual-life-insurance-review\/)\n- [AXA Travel Insurance Review](https:\/\/money.com\/axa-travel-insurance-review\/)\n- [AAA RV Insurance Review](https:\/\/money.com\/aaa-rv-insurance-review\/)\n\n[See full bio](https:\/\/money.com\/author\/heather-cottrell\/)\n\n**Editor:**\n\n[Joan Pabón](https:\/\/money.com\/author\/joan-pabon\/)\n\n![Joan Pabón, expert in Insurance, home loans, sustainable products, and General Finance and Senior Insurance Editor at Money](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\n[Joan Pabón](https:\/\/money.com\/author\/joan-pabon\/)\n\nGeneral Finance and Senior Insurance Editor \\| Joined November 2019\n\nJoan Pabón was a Money editor specializing in insurance. During her time at Money, she led a team of writers in crafting in-depth articles on a broad range of insurance topics, from life and health to property and casualty insurance. Her work has been featured in well-known online publications such as Yahoo Finance, MSN Money, and the Miami Herald.\n\nHas also written:\n\n- [Domestic Travel Insurance: What Does It Cover?](https:\/\/money.com\/domestic-travel-insurance-what-does-it-cover\/)\n- [6 Best Life Insurance for Seniors of 2021](https:\/\/money.com\/life-insurance-for-seniors\/)\n- [5 Best Small Business Loans of April 2026](https:\/\/money.com\/best-small-business-loans\/)\n- [How to Protect Your Credit During a Divorce](https:\/\/money.com\/how-to-protect-your-credit-during-a-divorce\/)\n- [Why Choosing a Higher Pet Insurance Deductible Can Pay Off](https:\/\/money.com\/choosing-a-pet-insurance-deductible\/)\n\n[See full bio](https:\/\/money.com\/author\/joan-pabon\/)\n\n**Published:** Mar 8, 2024 **11 min read**\n\n## What Is Schengen Travel Insurance? \\| Quick Answer\nSchengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.\n\nRead on to learn more about Schengen visa travel insurance requirements and find the [best travel insurance](https:\/\/money.com\/best-travel-insurance\/) policy for your upcoming trip.\n\n## Table of contents\n- [What is Schengen travel insurance?](https:\/\/money.com\/what-is-schengen-travel-insurance\/#what)\n- [Schengen countries](https:\/\/money.com\/what-is-schengen-travel-insurance\/#countries)\n- [Visa and travel insurance requirements for the Schengen Area](https:\/\/money.com\/what-is-schengen-travel-insurance\/#visa)\n- [Key coverages in Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#key)\n- [How to get Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#how)\n- [Schengen travel insurance FAQs](https:\/\/money.com\/what-is-schengen-travel-insurance\/#faqs)\n- [Summary of Money's guide to Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#summary)\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\nPlanning on taking a trip soon?\n\nMake sure that your trip is covered with Travel Insurance. Click your state to get coverage.\n\nHawaii\n\nAlaska\n\nFlorida\n\nSouth Carolina\n\nGeorgia\n\nAlabama\n\nNorth Carolina\n\nTennessee\n\n[RI](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=02901)\n\nRhode Island\n\n[CT](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=06101)\n\nConnecticut\n\n[MA](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=02108)\n\nMassachusetts\n\nMaine\n\n[NH](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=03301)\n\nNew Hampshire\n\n[VT](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=05601)\n\nVermont\n\nNew York\n\n[NJ](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=08601)\n\nNew Jersey\n\n[DE](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=19901)\n\nDelaware\n\n[MD](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=21401)\n\nMaryland\n\nWest Virginia\n\nOhio\n\nMichigan\n\nArizona\n\nNevada\n\nUtah\n\nColorado\n\nNew Mexico\n\nSouth Dakota\n\nIowa\n\nIndiana\n\nIllinois\n\nMinnesota\n\nWisconsin\n\nMissouri\n\nLouisiana\n\nVirginia\n\n[DC](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F&zip=20500)\n\nWashington DC\n\nIdaho\n\nCalifornia\n\nNorth Dakota\n\nWashington\n\nOregon\n\nMontana\n\nWyoming\n\nNebraska\n\nKansas\n\nOklahoma\n\nPennsylvania\n\nKentucky\n\nMississippi\n\nArkansas\n\nTexas\n\n[View Rates](https:\/\/money.com\/pr\/f4d78f1a1ce6?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F)\n## What is Schengen travel insurance?\nSchengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.\n\nMany visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around \\$32,720) in medical costs.\n\nHowever, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.\n\n## Schengen countries\nThe Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the [best places to visit in Europe](https:\/\/money.com\/best-places-to-visit-europe\/), including France, Italy, Germany, Spain, Greece and the Netherlands.\n\nHere's the complete list:\n\n|   |   |   |\n|---|---|---|\n| Austria | Greece | Norway |\n| Belgium | Hungary | Poland |\n| Bulgaria (as of March, 2024) | Iceland | Portugal |\n| Croatia | Italy | Romania (as of March, 2024) |\n| Czech Republic | Latvia | Slovakia |\n| Denmark | Liechtenstein | Slovenia |\n| Estonia | Lithuania | Spain |\n| Finland | Luxembourg | Sweden |\n| France | Malta | Switzerland |\n| Germany | Netherlands |   |\n\n*Source: U.S. Department of State, Bureau of Consular Affairs*\n\nIreland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.\n\n## Visa and travel insurance requirements for the Schengen Area\nHaving a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.\n\nOnce officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.\n\nShort stays don't require [travel medical insurance](https:\/\/money.com\/what-is-travel-medical-insurance\/) either, though [travel insurance may still be worth it](https:\/\/money.com\/is-travel-insurance-worth-it\/). That could be especially true if you plan to participate in adventure sports or other high-risk activities.\n\nTravel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the [best travel credit cards](https:\/\/money.com\/best-credit-cards\/) that offer insurance.\n\n### European Travel Information and Authorisation System (ETIAS)\nTravel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.\n\nHere's what you need to know:\n\n- You must complete an online application and pay a small fee for an ETIAS authorization.\n\n- The authorization is tied to your passport and is valid for three years or until your passport expires.\n\n- With a valid travel authorization, you can enter [30 European countries](https:\/\/travel-europe.europa.eu\/etias\/who-should-apply_en#ETIAS-countries) for short stays of up to 90 days within a 180-day period.\n\n- ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.\n\n- The above applies to people from the U.S., Canada and dozens of other countries, so check the [E.U.’s official travel website](https:\/\/travel-europe.europa.eu\/etias\/what-etias_en) or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance.\n### Schengen visa requirements\nYou'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.\n\nDetermine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.\n\nSchengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.\n\nBesides the application form, the following are required to obtain a Schengen visa:\n\n- **Valid passport:** Your passport must be valid for at least three months after departure.\n\n- **Passport photo:** You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.\n\n- **Travel medical insurance:** You must carry at least €30,000 (approximately \\$32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay.\n\n- **Documentation:** You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.\n\n- **Fingerprints:** Most, but not all, applicants will be required to submit their fingerprints along with their application.\n\nConsulates of particular countries may require additional documentation.\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\nAll packed and ready to go? Don't forget the Travel Insurance.\n\nThere are so many things that can happen while we're away from home. With Travel Insurance, you'll have less to worry about. Find out more by clicking below.\n\n[View Rates](https:\/\/money.com\/pr\/iea5824ef750?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F)\n## Key coverages in Schengen travel insurance\nUnderstanding [what travel insurance covers](https:\/\/money.com\/what-does-travel-insurance-cover\/) can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers.\n\n- **Medical expenses:** Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.\n\n- **Medical repatriation:** Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.\n\n- **Repatriation of remains:** As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.\n\n- **24\/7 Travel Assistance:** Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.\n\nNote that some companies may require you to meet a deductible for the travel medical plan to start paying out.\n\n### Other travel-related coverage options\nMost travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile.\n\n- **Trip cancellation and trip interruption:** Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.\n\n- **Baggage loss or delay:** Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.\n\n- **Delayed flights and missed connections:** Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.\n## How to get Schengen travel insurance\nIt's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.\n\nHere are some steps to help you get the right coverage.\n\n### 1\\. Research reputable travel insurance providers\nMost travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.\n\n### 2\\. Select a plan that meets your needs and get a quote\nRemember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.\n\nIt also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.\n\n### 3\\. Read your policy details\nWhen shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.\n\nIf you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.\n\n### 4\\. Get to know the claims process\nSimilarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills.\n\nAfter a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.\n\n### 5\\. Purchase and safeguard your policy\nYou will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.\n\nIt may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\nIf you need to be protected while away on a trip, Travel Insurance has you covered\n\nTravel is full of unexpected events. Stay safe with a Travel Insurance policy. Click below to find out more today.\n\n[View Rates](https:\/\/money.com\/pr\/ua16db941bd8?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F)\n\n## Schengen travel insurance FAQs\n### Should I get travel insurance for Europe?\nTravel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.\n\nVisa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area.\n\n### How much travel insurance do I need for Europe?\nThe minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions.\n\n### What countries does Europe travel insurance cover?\nTravel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more.\n## Summary of Money's guide to Schengen travel insurance\n- The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.\n\n- Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.\n\n- You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.\n\n- If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).\n\n[SHOWHIDE]()\n\nAds by Money. 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[Learn more](https:\/\/money.com\/page\/disclaimer\/).\n\n## What Is Schengen Travel Insurance? \\| Quick Answer\nSchengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.\n\nRead on to learn more about Schengen visa travel insurance requirements and find the [best travel insurance](https:\/\/money.com\/best-travel-insurance\/) policy for your upcoming trip.\n\n## Table of contents\n- [What is Schengen travel insurance?](https:\/\/money.com\/what-is-schengen-travel-insurance\/#what)\n- [Schengen countries](https:\/\/money.com\/what-is-schengen-travel-insurance\/#countries)\n- [Visa and travel insurance requirements for the Schengen Area](https:\/\/money.com\/what-is-schengen-travel-insurance\/#visa)\n- [Key coverages in Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#key)\n- [How to get Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#how)\n- [Schengen travel insurance FAQs](https:\/\/money.com\/what-is-schengen-travel-insurance\/#faqs)\n- [Summary of Money's guide to Schengen travel insurance](https:\/\/money.com\/what-is-schengen-travel-insurance\/#summary)\n## What is Schengen travel insurance?\nSchengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.\n\nMany visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around \\$32,720) in medical costs.\n\nHowever, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.\n\n## Schengen countries\nThe Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the [best places to visit in Europe](https:\/\/money.com\/best-places-to-visit-europe\/), including France, Italy, Germany, Spain, Greece and the Netherlands.\n\nHere's the complete list:\n\n|   |   |   |\n|---|---|---|\n| Austria | Greece | Norway |\n| Belgium | Hungary | Poland |\n| Bulgaria (as of March, 2024) | Iceland | Portugal |\n| Croatia | Italy | Romania (as of March, 2024) |\n| Czech Republic | Latvia | Slovakia |\n| Denmark | Liechtenstein | Slovenia |\n| Estonia | Lithuania | Spain |\n| Finland | Luxembourg | Sweden |\n| France | Malta | Switzerland |\n| Germany | Netherlands |   |\n\nIreland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.\n\n## Visa and travel insurance requirements for the Schengen Area\nHaving a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.\n\nOnce officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.\n\nShort stays don't require [travel medical insurance](https:\/\/money.com\/what-is-travel-medical-insurance\/) either, though [travel insurance may still be worth it](https:\/\/money.com\/is-travel-insurance-worth-it\/). That could be especially true if you plan to participate in adventure sports or other high-risk activities.\n\nTravel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the [best travel credit cards](https:\/\/money.com\/best-credit-cards\/) that offer insurance.\n\n### European Travel Information and Authorisation System (ETIAS)\nTravel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.\n\nHere's what you need to know:\n\n- You must complete an online application and pay a small fee for an ETIAS authorization.\n\n- The authorization is tied to your passport and is valid for three years or until your passport expires.\n\n- With a valid travel authorization, you can enter [30 European countries](https:\/\/travel-europe.europa.eu\/etias\/who-should-apply_en#ETIAS-countries) for short stays of up to 90 days within a 180-day period.\n\n- ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.\n\n- The above applies to people from the U.S., Canada and dozens of other countries, so check the [E.U.’s official travel website](https:\/\/travel-europe.europa.eu\/etias\/what-etias_en) or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance.\n### Schengen visa requirements\nYou'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.\n\nDetermine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.\n\nSchengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.\n\nBesides the application form, the following are required to obtain a Schengen visa:\n\n- **Valid passport:** Your passport must be valid for at least three months after departure.\n\n- **Passport photo:** You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.\n\n- **Travel medical insurance:** You must carry at least €30,000 (approximately \\$32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay.\n\n- **Documentation:** You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.\n\n- **Fingerprints:** Most, but not all, applicants will be required to submit their fingerprints along with their application.\n\nConsulates of particular countries may require additional documentation.\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\n## Key coverages in Schengen travel insurance\nUnderstanding [what travel insurance covers](https:\/\/money.com\/what-does-travel-insurance-cover\/) can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers.\n\n- **Medical expenses:** Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.\n\n- **Medical repatriation:** Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.\n\n- **Repatriation of remains:** As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.\n\n- **24\/7 Travel Assistance:** Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.\n\nNote that some companies may require you to meet a deductible for the travel medical plan to start paying out.\n\n### Other travel-related coverage options\nMost travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile.\n\n- **Trip cancellation and trip interruption:** Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.\n\n- **Baggage loss or delay:** Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.\n\n- **Delayed flights and missed connections:** Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.\n## How to get Schengen travel insurance\nIt's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.\n\nHere are some steps to help you get the right coverage.\n\n### 1\\. Research reputable travel insurance providers\nMost travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.\n\n### 2\\. Select a plan that meets your needs and get a quote\nRemember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.\n\nIt also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.\n\n### 3\\. Read your policy details\nWhen shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.\n\nIf you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.\n\n### 4\\. Get to know the claims process\nSimilarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills.\n\nAfter a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.\n\n### 5\\. Purchase and safeguard your policy\nYou will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.\n\nIt may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\nSchengen travel insurance FAQs\n\n### Should I get travel insurance for Europe?\nTravel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.\n\nVisa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area.\n\n### How much travel insurance do I need for Europe?\nThe minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions.\n\n### What countries does Europe travel insurance cover?\nTravel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more.\n## Summary of Money's guide to Schengen travel insurance\n- The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.\n\n- Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.\n\n- You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.\n\n- If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).","meta_canonical":null}

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Boilerpipe Text	We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more . What Is Schengen Travel Insurance? \| Quick Answer Schengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process. Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip. Table of contents What is Schengen travel insurance? Schengen countries Visa and travel insurance requirements for the Schengen Area Key coverages in Schengen travel insurance How to get Schengen travel insurance Schengen travel insurance FAQs Summary of Money's guide to Schengen travel insurance What is Schengen travel insurance? Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders. Many visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs. However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period. Schengen countries The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands. Here's the complete list: Austria Greece Norway Belgium Hungary Poland Bulgaria (as of March, 2024) Iceland Portugal Croatia Italy Romania (as of March, 2024) Czech Republic Latvia Slovakia Denmark Liechtenstein Slovenia Estonia Lithuania Spain Finland Luxembourg Sweden France Malta Switzerland Germany Netherlands Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement. Visa and travel insurance requirements for the Schengen Area Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes. Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates. Short stays don't require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities. Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the best travel credit cards that offer insurance. European Travel Information and Authorisation System (ETIAS) Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization. Here's what you need to know: You must complete an online application and pay a small fee for an ETIAS authorization. The authorization is tied to your passport and is valid for three years or until your passport expires. With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period. ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border. The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance. Schengen visa requirements You'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa. Determine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations. Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible. Besides the application form, the following are required to obtain a Schengen visa: Valid passport: Your passport must be valid for at least three months after departure. Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards. Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay. Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay. Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application. Consulates of particular countries may require additional documentation. Ads by Money. We may be compensated if you click this ad. Ad Key coverages in Schengen travel insurance Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers. Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments. Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment. Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin. 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation. Note that some companies may require you to meet a deductible for the travel medical plan to start paying out. Other travel-related coverage options Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile. Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents. Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours. Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections. How to get Schengen travel insurance It's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs. Here are some steps to help you get the right coverage. 1. Research reputable travel insurance providers Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage. 2. Select a plan that meets your needs and get a quote Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage. It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose. 3. Read your policy details When shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim. If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase. 4. Get to know the claims process Similarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills. After a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock. 5. Purchase and safeguard your policy You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder. It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency. Ads by Money. We may be compensated if you click this ad. Ad Schengen travel insurance FAQs Should I get travel insurance for Europe? chevron-down chevron-up Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance. Visa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area. How much travel insurance do I need for Europe? chevron-down chevron-up The minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions. What countries does Europe travel insurance cover? chevron-down chevron-up Travel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more. Summary of Money's guide to Schengen travel insurance The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa. Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements. You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period. If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).
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[Travel Insurance](https://money.com/travel-insurance/) Share Share Page URL https://money.com/what-is-schengen-travel-insurance/ ![](data:image/png;base64,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) Link copied\! # What Is Schengen Travel Insurance? By: [Heather Cottrell](https://money.com/author/heather-cottrell/) ![Heather Cottrell, Staff Writer at Money](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) [Heather Cottrell](https://money.com/author/heather-cottrell/) Staff Writer \\| Joined April 2026 Has also written: - [Gerber Life Insurance Review](https://money.com/gerber-life-insurance-review/) - [Australia Travel Guide](https://money.com/australia-travel-guide/) - [Liberty Mutual Life Insurance Review](https://money.com/liberty-mutual-life-insurance-review/) - [AXA Travel Insurance Review](https://money.com/axa-travel-insurance-review/) - [AAA RV Insurance Review](https://money.com/aaa-rv-insurance-review/) [See full bio](https://money.com/author/heather-cottrell/) Editor: [Joan Pabón](https://money.com/author/joan-pabon/) ![Joan Pabón, expert in Insurance, home loans, sustainable products, and General Finance and Senior Insurance Editor at Money](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) [Joan Pabón](https://money.com/author/joan-pabon/) General Finance and Senior Insurance Editor \\| Joined November 2019 Joan Pabón was a Money editor specializing in insurance. During her time at Money, she led a team of writers in crafting in-depth articles on a broad range of insurance topics, from life and health to property and casualty insurance. Her work has been featured in well-known online publications such as Yahoo Finance, MSN Money, and the Miami Herald. Has also written: - [Domestic Travel Insurance: What Does It Cover?](https://money.com/domestic-travel-insurance-what-does-it-cover/) - [6 Best Life Insurance for Seniors of 2021](https://money.com/life-insurance-for-seniors/) - [5 Best Small Business Loans of April 2026](https://money.com/best-small-business-loans/) - [How to Protect Your Credit During a Divorce](https://money.com/how-to-protect-your-credit-during-a-divorce/) - [Why Choosing a Higher Pet Insurance Deductible Can Pay Off](https://money.com/choosing-a-pet-insurance-deductible/) [See full bio](https://money.com/author/joan-pabon/) Published: Mar 8, 2024 11 min read** ## What Is Schengen Travel Insurance? \\| Quick Answer Schengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process. Read on to learn more about Schengen visa travel insurance requirements and find the [best travel insurance](https://money.com/best-travel-insurance/) policy for your upcoming trip. ## Table of contents - [What is Schengen travel insurance?](https://money.com/what-is-schengen-travel-insurance/#what) - [Schengen countries](https://money.com/what-is-schengen-travel-insurance/#countries) - [Visa and travel insurance requirements for the Schengen Area](https://money.com/what-is-schengen-travel-insurance/#visa) - [Key coverages in Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#key) - [How to get Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#how) - [Schengen travel insurance FAQs](https://money.com/what-is-schengen-travel-insurance/#faqs) - [Summary of Money's guide to Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#summary) Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) Planning on taking a trip soon? Make sure that your trip is covered with Travel Insurance. Click your state to get coverage. 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Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders. Many visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around \$32,720) in medical costs. However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period. ## Schengen countries The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the [best places to visit in Europe](https://money.com/best-places-to-visit-europe/), including France, Italy, Germany, Spain, Greece and the Netherlands. Here's the complete list: \| \| \| \| \|---\|---\|---\| \| Austria \| Greece \| Norway \| \| Belgium \| Hungary \| Poland \| \| Bulgaria (as of March, 2024) \| Iceland \| Portugal \| \| Croatia \| Italy \| Romania (as of March, 2024) \| \| Czech Republic \| Latvia \| Slovakia \| \| Denmark \| Liechtenstein \| Slovenia \| \| Estonia \| Lithuania \| Spain \| \| Finland \| Luxembourg \| Sweden \| \| France \| Malta \| Switzerland \| \| Germany \| Netherlands \| \| Source: U.S. Department of State, Bureau of Consular Affairs Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement. ## Visa and travel insurance requirements for the Schengen Area Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes. Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates. Short stays don't require [travel medical insurance](https://money.com/what-is-travel-medical-insurance/) either, though [travel insurance may still be worth it](https://money.com/is-travel-insurance-worth-it/). That could be especially true if you plan to participate in adventure sports or other high-risk activities. Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the [best travel credit cards](https://money.com/best-credit-cards/) that offer insurance. ### European Travel Information and Authorisation System (ETIAS) Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization. Here's what you need to know: - You must complete an online application and pay a small fee for an ETIAS authorization. - The authorization is tied to your passport and is valid for three years or until your passport expires. - With a valid travel authorization, you can enter [30 European countries](https://travel-europe.europa.eu/etias/who-should-apply_en#ETIAS-countries) for short stays of up to 90 days within a 180-day period. - ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border. - The above applies to people from the U.S., Canada and dozens of other countries, so check the [E.U.’s official travel website](https://travel-europe.europa.eu/etias/what-etias_en) or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance. ### Schengen visa requirements You'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa. Determine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations. Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible. Besides the application form, the following are required to obtain a Schengen visa: - Valid passport: Your passport must be valid for at least three months after departure. - Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards. - Travel medical insurance: You must carry at least €30,000 (approximately \$32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay. - Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay. - Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application. Consulates of particular countries may require additional documentation. Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) All packed and ready to go? Don't forget the Travel Insurance. There are so many things that can happen while we're away from home. With Travel Insurance, you'll have less to worry about. Find out more by clicking below. [View Rates](https://money.com/pr/iea5824ef750?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F) ## Key coverages in Schengen travel insurance Understanding [what travel insurance covers](https://money.com/what-does-travel-insurance-cover/) can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers. - Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments. - Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment. - Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin. - 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation. Note that some companies may require you to meet a deductible for the travel medical plan to start paying out. ### Other travel-related coverage options Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile. - Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents. - Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours. - Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections. ## How to get Schengen travel insurance It's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs. Here are some steps to help you get the right coverage. ### 1\. Research reputable travel insurance providers Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage. ### 2\. Select a plan that meets your needs and get a quote Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage. It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose. ### 3\. Read your policy details When shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim. If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase. ### 4\. Get to know the claims process Similarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills. After a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock. ### 5\. Purchase and safeguard your policy You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder. It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency. Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) If you need to be protected while away on a trip, Travel Insurance has you covered Travel is full of unexpected events. Stay safe with a Travel Insurance policy. Click below to find out more today. [View Rates](https://money.com/pr/ua16db941bd8?ap_referrer=%2Fwhat-is-schengen-travel-insurance%2F) ## Schengen travel insurance FAQs ### Should I get travel insurance for Europe? Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance. Visa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area. ### How much travel insurance do I need for Europe? The minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions. ### What countries does Europe travel insurance cover? Travel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more. ## Summary of Money's guide to Schengen travel insurance - The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa. - Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements. - You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period. - If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage). [SHOWHIDE]() Ads by Money. 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Readable Markdown	We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ## What Is Schengen Travel Insurance? \\| Quick Answer Schengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process. Read on to learn more about Schengen visa travel insurance requirements and find the [best travel insurance](https://money.com/best-travel-insurance/) policy for your upcoming trip. ## Table of contents - [What is Schengen travel insurance?](https://money.com/what-is-schengen-travel-insurance/#what) - [Schengen countries](https://money.com/what-is-schengen-travel-insurance/#countries) - [Visa and travel insurance requirements for the Schengen Area](https://money.com/what-is-schengen-travel-insurance/#visa) - [Key coverages in Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#key) - [How to get Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#how) - [Schengen travel insurance FAQs](https://money.com/what-is-schengen-travel-insurance/#faqs) - [Summary of Money's guide to Schengen travel insurance](https://money.com/what-is-schengen-travel-insurance/#summary) ## What is Schengen travel insurance? Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders. Many visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around \$32,720) in medical costs. However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period. ## Schengen countries The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the [best places to visit in Europe](https://money.com/best-places-to-visit-europe/), including France, Italy, Germany, Spain, Greece and the Netherlands. Here's the complete list: \| \| \| \| \|---\|---\|---\| \| Austria \| Greece \| Norway \| \| Belgium \| Hungary \| Poland \| \| Bulgaria (as of March, 2024) \| Iceland \| Portugal \| \| Croatia \| Italy \| Romania (as of March, 2024) \| \| Czech Republic \| Latvia \| Slovakia \| \| Denmark \| Liechtenstein \| Slovenia \| \| Estonia \| Lithuania \| Spain \| \| Finland \| Luxembourg \| Sweden \| \| France \| Malta \| Switzerland \| \| Germany \| Netherlands \| \| Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement. ## Visa and travel insurance requirements for the Schengen Area Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes. Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates. Short stays don't require [travel medical insurance](https://money.com/what-is-travel-medical-insurance/) either, though [travel insurance may still be worth it](https://money.com/is-travel-insurance-worth-it/). That could be especially true if you plan to participate in adventure sports or other high-risk activities. Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the [best travel credit cards](https://money.com/best-credit-cards/) that offer insurance. ### European Travel Information and Authorisation System (ETIAS) Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization. Here's what you need to know: - You must complete an online application and pay a small fee for an ETIAS authorization. - The authorization is tied to your passport and is valid for three years or until your passport expires. - With a valid travel authorization, you can enter [30 European countries](https://travel-europe.europa.eu/etias/who-should-apply_en#ETIAS-countries) for short stays of up to 90 days within a 180-day period. - ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border. - The above applies to people from the U.S., Canada and dozens of other countries, so check the [E.U.’s official travel website](https://travel-europe.europa.eu/etias/what-etias_en) or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance. ### Schengen visa requirements You'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa. Determine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations. Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible. Besides the application form, the following are required to obtain a Schengen visa: - Valid passport: Your passport must be valid for at least three months after departure. - Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards. - Travel medical insurance: You must carry at least €30,000 (approximately \$32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay. - Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay. - Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application. Consulates of particular countries may require additional documentation. Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) ## Key coverages in Schengen travel insurance Understanding [what travel insurance covers](https://money.com/what-does-travel-insurance-cover/) can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers. - Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments. - Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment. - Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin. - 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation. Note that some companies may require you to meet a deductible for the travel medical plan to start paying out. ### Other travel-related coverage options Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile. - Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents. - Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours. - Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections. ## How to get Schengen travel insurance It's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs. Here are some steps to help you get the right coverage. ### 1\. Research reputable travel insurance providers Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage. ### 2\. Select a plan that meets your needs and get a quote Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage. It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose. ### 3\. Read your policy details When shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim. If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase. ### 4\. Get to know the claims process Similarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills. After a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock. ### 5\. Purchase and safeguard your policy You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder. It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency. Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) Schengen travel insurance FAQs ### Should I get travel insurance for Europe? Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance. Visa mandates vary by country, so check with your country’s foreign affairs department online to learn whether you need a visa to visit the Schengen Area. ### How much travel insurance do I need for Europe? The minimum coverage requirement for a Schengen travel insurance plan is €30,000. However, you may want to opt for a policy with broader coverage if you want coverage against travel inconveniences such as trip cancellations and interruptions. ### What countries does Europe travel insurance cover? Travel insurance for Europe, particularly Schengen travel medical insurance, should cover all 27 countries within the Schengen Area. This comprehensive coverage spans popular tourist destinations such as France, Italy, Germany, Spain and more. ## Summary of Money's guide to Schengen travel insurance - The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa. - Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements. - You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period. - If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).
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