🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 141 (from laksa067)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa141.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://www.comparethemarket.com/travel-insurance/content/schengen/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.comparethemarket.com/travel-insurance/content/schengen/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/","crawl_time":1775796429,"first_indexed_time":1608787760,"http_code":200,"src_unparsed":"com,comparethemarket!www,\/travel-insurance\/content\/schengen\/ s443","src_root_hash":"2435637336576354941","history_drop_reason":null,"meta_title":"Schengen Travel Insurance | Compare the Market","meta_descriptions":["Planning a trip to Europe? Here’s everything you need to know about buying travel insurance for the Schengen area."],"attrs_boilerpipe_text":"What is Schengen travel insurance?\nSchengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe.\nSchengen travel insurance is a must for people who need a visa to enter the Schengen zone.\nUnder EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa.\nYour travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay.\nWhat is Schengen?\nThe Schengen area is a group of 29 countries where EU citizens can travel without border checks.\nThe countries that make up the Schengen area include 25 of the 27 EU member states:\nAustria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.\nPlus all members of the European Free Trade Association:\nIceland, Liechtenstein, Norway and Switzerland.\nThe\nUK, Ireland\nand\nCyprus\naren’t part of Schengen.\nDo UK citizens need a Schengen travel visa?\nUK citizens travelling to the Schengen area for 90 days or less in every 180 days,\ndon’t need a Schengen visa\n.\nUK passport holders who want to visit a Schengen country\nfor more than 90 days out of 180 may need a Schengen visa\n. If so, they’ll also need travel insurance with up to €30,000 of medical cover.\nBut no matter how long you’re staying in Europe, it’s advisable to get travel insurance.\nA\nGHIC\nalone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation.\nFuture changes for travel to the EU and Schengen area\nThe EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area.\nEES\nBetween 12 October 2025 and 9 April 2026, the EU is phasing in a new\nEntry\/Exit system (EES)\n. It’ll work like this:\n• The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken\n• These will be added to a digital record, which will remain valid for three years\n• On subsequent trips to the Schengen area, your identity will be checked against your digital record.\nAs the new system is being introduced gradually, you might not notice a change straight away.\nETIAS\nIn late 2026, the EU plans to launch a new\nEuropean Travel Information and Authorisation System (ETIAS)\n.\nNationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area.\nTo apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee.\nThe ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved.\nWhen do I need Schengen travel insurance to travel in Europe?\nEU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of\nwho needs a Schengen visa\n.\nBut even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it.\nTravel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip.\nFind out more about travel insurance for Europe\n.\nWhat does Schengen travel insurance cover?\nSchengen travel insurance should give you basic cover for all 29 Schengen countries, including:\nMedical cover\n– to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000\nLost, stolen or damaged luggage\nand passports\n– covers damage to your personal belongings or travel documents\nCancellations and delays\n– if your holiday is cancelled, delayed or shortened, you could reclaim some expenses\nRepatriation\n– covers the cost of getting you home if your airline goes under or you experience a medical emergency.\nWhat if I have a pre-existing medical condition?\nIf you have a\npre-existing medical condition\n, your travel insurance is likely to be more expensive.\nBut whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected.\nWhen you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.\nIf your condition is more serious,\nMoneyHelper\nhas a directory of specialist insurance providers which may be able to provide quotes.\nWhat doesn’t a travel insurance policy include?\nThere are a few things you might not be covered for. These typically include:\nPre-existing medical conditions that you’ve not mentioned\nInjuries or accidents from\nhigh-risk adventure activities\nInjuries or accidents while under the influence of alcohol or drugs.\nSee more on\nwhat travel insurance will cover you for and what it won’t\n.\nHow do I apply for a Schengen travel visa?\nTo apply for a Schengen visa, you’ll need:\nA completed visa application\nA valid passport\nTwo identical passport photos\nYour travel itinerary\nTravel insurance covering up to €30,000 of medical costs.\nA Schengen visa typically costs €90 for adults and €45 for children aged 6-12.\nSome countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off.\nHow much does Schengen travel insurance cost?\nHow much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want.\nReady to kickstart your European adventure? Start comparing\ntravel insurance\nwith Compare the Market and get a quote in minutes.","attrs_markdown":"[Skip to main content](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#main)\n\n[Compare the Market home](https:\/\/www.comparethemarket.com\/)\n\n- [Rewards](https:\/\/www.comparethemarket.com\/customer-rewards\/)\n- [Help](https:\/\/help.comparethemarket.com\/)\n- [Sign in](https:\/\/myctm.comparethemarket.com\/)\n- Sign out\n  ×\n  \n  - [Your account](https:\/\/myctm.comparethemarket.com\/)\n  - [Previous quotes](https:\/\/myctm.comparethemarket.com\/previous-quotes)\n  - [Sign out]()\n\nMenu\n\n×\n\n- [Sign In](https:\/\/myctm.comparethemarket.com\/)\n- Car\n  Insurance\n  \n  - [Car insurance](https:\/\/www.comparethemarket.com\/car-insurance\/)\n  - [Temporary car insurance](https:\/\/www.comparethemarket.com\/car-insurance\/temporary-car-insurance\/)\n  - [Fully comprehensive](https:\/\/www.comparethemarket.com\/car-insurance\/fully-comprehensive\/)\n  - 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[Landlord insurance](https:\/\/www.comparethemarket.com\/landlord-insurance\/)\n  - [Tenants liability insurance](https:\/\/www.comparethemarket.com\/home-insurance\/tenants-liability-insurance\/)\n  - [Lodger insurance](https:\/\/www.comparethemarket.com\/home-insurance\/content\/lodger-insurance\/)\n  - [Over 50s home insurance](https:\/\/www.comparethemarket.com\/home-insurance\/over-50s\/)\n  \n  Tools & Guides\n  \n  - [Exchange to completion building insurance](https:\/\/www.comparethemarket.com\/home-insurance\/content\/buildings-insurance-between-exchange-and-completion\/)\n  - [Short term home insurance](https:\/\/www.comparethemarket.com\/home-insurance\/content\/temporary-short-term-cover\/)\n  - [Accidental pet damage insurance](https:\/\/www.comparethemarket.com\/home-insurance\/content\/accidental-damage-pet-insurance\/)\n  - [Is my house insured?](https:\/\/www.comparethemarket.com\/home-insurance\/content\/is-my-house-insured\/)\n  - [Home insurance guides](https:\/\/www.comparethemarket.com\/home-insurance\/content\/)\n- Travel\n  Insurance\n  \n  - [Travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/)\n  - [Pre-existing medical condition travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/medical-conditions\/)\n  - [Single trip travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/single-trip\/)\n  - [Annual travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/annual\/)\n  - [Family travel Insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/family\/)\n  - [Business travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/business\/)\n  \n  Trip Type\n  \n  - [Backpacker travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/backpackers\/)\n  - [Cruise travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/cruise\/)\n  - [Student travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/student-travel-insurance\/)\n  - [Ski travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/winter-sports\/ski\/)\n  - 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[Loan calculator](https:\/\/www.comparethemarket.com\/loans\/loan-calculator\/)\n  \n  Mortgages\n  \n  - [Mortgages](https:\/\/www.comparethemarket.com\/mortgages\/)\n  - [Remortgages](https:\/\/www.comparethemarket.com\/mortgages\/remortgage\/)\n  - [Buy-to-let mortgages](https:\/\/www.comparethemarket.com\/mortgages\/buy-to-let\/)\n  - [First-time buyer mortgages](https:\/\/www.comparethemarket.com\/mortgages\/first-time-buyer\/)\n  - [Mortgage calculator](https:\/\/www.comparethemarket.com\/mortgages\/mortgage-calculator\/)\n  - [Remortgage calculator](https:\/\/www.comparethemarket.com\/mortgages\/remortgage-calculator\/)\n  - [Stamp duty calculator](https:\/\/www.comparethemarket.com\/mortgages\/stamp-duty-calculator\/)\n  \n  Current Accounts\n  \n  - [Current accounts](https:\/\/www.comparethemarket.com\/current-accounts\/)\n  - [Joint current accounts](https:\/\/www.comparethemarket.com\/current-accounts\/joint-current-accounts\/)\n  - [Children current accounts](https:\/\/www.comparethemarket.com\/current-accounts\/content\/kids-teens-current-accounts\/)\n  - 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[Accident, sickness & unemployment](https:\/\/www.comparethemarket.com\/accident-sickness-and-unemployment-insurance\/)\n  - [Redundancy insurance](https:\/\/www.comparethemarket.com\/redundancy-insurance\/)\n  - [Unemployment insurance](https:\/\/www.comparethemarket.com\/unemployment-insurance\/)\n  - [Mortgage protection insurance](https:\/\/www.comparethemarket.com\/mortgage-protection-insurance\/)\n  \n  Pet\n  \n  - [Pet insurance](https:\/\/www.comparethemarket.com\/pet-insurance\/)\n  - [Dog insurance](https:\/\/www.comparethemarket.com\/pet-insurance\/dog-insurance\/)\n  - [Cat insurance](https:\/\/www.comparethemarket.com\/pet-insurance\/cat-insurance\/)\n  - [Lifetime pet insurance](https:\/\/www.comparethemarket.com\/pet-insurance\/lifetime-pet-insurance\/)\n  - [Time limited pet insurance](https:\/\/www.comparethemarket.com\/pet-insurance\/time-limited\/)\n  \n  Tools & Guides\n  \n  - [Northern Ireland van insurance](https:\/\/www.comparethemarket.com\/van-insurance\/content\/van-insurance-ni\/)\n  - [Life insurance calculator](https:\/\/www.comparethemarket.com\/life-insurance\/calculator\/)\n  - [Types of life insurance](https:\/\/www.comparethemarket.com\/life-insurance\/content\/different-types-of-life-insurance\/)\n  - [How much does pet insurance cost?](https:\/\/www.comparethemarket.com\/pet-insurance\/content\/pet-insurance-cost\/)\n  - [Pet insurance guides](https:\/\/www.comparethemarket.com\/pet-insurance\/content\/)\n- Utilities\n  Broadband\n  \n  - [Broadband deals](https:\/\/www.comparethemarket.com\/broadband\/)\n  - [Broadband & home phone deals](https:\/\/www.comparethemarket.com\/broadband\/packages\/broadband-and-phone\/)\n  - [Broadband & TV](https:\/\/www.comparethemarket.com\/broadband\/packages\/broadband-and-tv\/)\n  - [Broadband, TV & home phone](https:\/\/www.comparethemarket.com\/broadband\/broadband-phone-tv\/)\n  - [No-contract broadband](https:\/\/www.comparethemarket.com\/broadband\/no-contract\/)\n  - [Broadband postcode checker](https:\/\/www.comparethemarket.com\/broadband\/area-check\/)\n  - 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[Home](https:\/\/www.comparethemarket.com\/)\n2. [Travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/)\n3. [Content](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/)\n\n# Schengen travel insurance\nIf you’re planning a trip to any of the 29 countries in the Schengen area and aren’t a UK or EU citizen, you’ll probably need a Schengen visa. To apply for a visa, you’ll also need a valid travel insurance policy.\n\n4 min read\n\n- Last updated: 12 Oct 2025\n\n![Karen MacLeod](https:\/\/ctm.bynder.com\/m\/72915ba09b4fe431\/webimage-Karen-Macleod-2026-Headshot.png)\n\nWritten by\n\n[Karen MacLeod](https:\/\/www.comparethemarket.com\/meet-the-experts\/karen-macleod\/)\n\nPersonal finance and insurance specialist\n\n![Emily Barnett](https:\/\/assets.comparethemarket.com\/m\/3eff7e937d430ce9\/webimage-Emily-Barnett-Headshot.png)\n\nReviewed by\n\n[Emily Barnett](https:\/\/www.comparethemarket.com\/meet-the-experts\/emily-barnett)\n\nInsurance and utilities expert\n\nWhat's in this article\n\nJump to sections:\n\n- [What is Schengen travel insurance?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#what-is-schengen-travel-insurance)\n- [Do UK citizens need a Schengen travel visa?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#do-uk-citizens-need-a-schengen-travel-visa)\n- [Future changes for travel to the EU and Schengen area](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#future-changes-for-travel-to-the-eu-and-schengen-area)\n- [When do I need Schengen travel insurance to travel in Europe?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#when-do-i-need-schengen-travel-insurance-to-travel-in-europe)\n- [What does Schengen travel insurance cover?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#what-does-schengen-travel-insurance-cover)\n- [What if I have a pre-existing medical condition?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#what-if-i-have-a-preexisting-medical-condition)\n- [What doesn’t a travel insurance policy include?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#what-doesnt-a-travel-insurance-policy-include)\n- [How do I apply for a Schengen travel visa?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#how-do-i-apply-for-a-schengen-travel-visa)\n- [How much does Schengen travel insurance cost?](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/schengen\/#how-much-does-schengen-travel-insurance-cost)\n\nShow more\n\n### 60-second summary\nWhat do you need to know about travelling to the Schengen area? Here’s a summary:\n\n- Non-EU citizens typically need a Schengen visa to travel to the Schengen area if staying for longer than 90 days in a 180-day period.\n- UK citizens don’t need a visa to visit the Schengen region for short stays, but travel insurance is still advisable.\n- UK passport holders visiting the Schengen area for more than 90 days will need a Schengen visa and travel insurance.\n- Travel insurance with up to €30,000 medical cover is required by EU law for anyone who needs a Schengen visa.\n\n## What is Schengen travel insurance?\nSchengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe.\n\nSchengen travel insurance is a must for people who need a visa to enter the Schengen zone.\n\nUnder EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa.\n\nYour travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay.\n\n### What is Schengen?\nThe Schengen area is a group of 29 countries where EU citizens can travel without border checks.\n\nThe countries that make up the Schengen area include 25 of the 27 EU member states:\n\n- Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.\n\nPlus all members of the European Free Trade Association:\n\n- Iceland, Liechtenstein, Norway and Switzerland.\n\nThe **UK, Ireland** and **Cyprus** aren’t part of Schengen.\n\n## Do UK citizens need a Schengen travel visa?\nUK citizens travelling to the Schengen area for 90 days or less in every 180 days, **don’t need a Schengen visa**.\n\nUK passport holders who want to visit a Schengen country **for more than 90 days out of 180 may need a Schengen visa**. If so, they’ll also need travel insurance with up to €30,000 of medical cover.\n\nBut no matter how long you’re staying in Europe, it’s advisable to get travel insurance.\n\nA [GHIC](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/ghic\/) alone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation.\n\n## Future changes for travel to the EU and Schengen area\nThe EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area.\n\n### EES\nBetween 12 October 2025 and 9 April 2026, the EU is phasing in a new [Entry\/Exit system (EES)](https:\/\/www.gov.uk\/guidance\/eu-entryexit-system). It’ll work like this:\n\n• The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken\n\n• These will be added to a digital record, which will remain valid for three years\n\n• On subsequent trips to the Schengen area, your identity will be checked against your digital record.\n\nAs the new system is being introduced gradually, you might not notice a change straight away.\n\n### ETIAS\nIn late 2026, the EU plans to launch a new [European Travel Information and Authorisation System (ETIAS)](https:\/\/travel-europe.europa.eu\/etias).\n\nNationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area.\n\nTo apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee.\n\nThe ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved.\n\n## When do I need Schengen travel insurance to travel in Europe?\nEU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of [who needs a Schengen visa](https:\/\/home-affairs.ec.europa.eu\/policies\/schengen\/visa-policy\/applying-schengen-visa_en#who-needs-to-apply-for-a-schengen-visa).\n\nBut even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it.\n\nTravel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip.\n\n[Find out more about travel insurance for Europe](https:\/\/www.comparethemarket.com\/travel-insurance\/destinations\/for-europe\/).\n\n## What does Schengen travel insurance cover?\nSchengen travel insurance should give you basic cover for all 29 Schengen countries, including:\n\n- **Medical cover** – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000\n- [Lost, stolen or damaged luggage](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/baggage-cover\/) **and passports** – covers damage to your personal belongings or travel documents\n- [Cancellations and delays](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/does-travel-insurance-cover-flight-cancellations\/) – if your holiday is cancelled, delayed or shortened, you could reclaim some expenses\n- [Repatriation](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/repatriation\/) – covers the cost of getting you home if your airline goes under or you experience a medical emergency.\n## What if I have a pre-existing medical condition?\nIf you have a [pre-existing medical condition](https:\/\/www.comparethemarket.com\/travel-insurance\/medical-conditions\/), your travel insurance is likely to be more expensive.\n\nBut whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected.\n\nWhen you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.\n\nIf your condition is more serious, [MoneyHelper](https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/insurance\/travel-insurance-directory) has a directory of specialist insurance providers which may be able to provide quotes.\n\n## What doesn’t a travel insurance policy include?\nThere are a few things you might not be covered for. These typically include:\n\n- Pre-existing medical conditions that you’ve not mentioned\n- Injuries or accidents from [high-risk adventure activities](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/adventure\/)\n- Injuries or accidents while under the influence of alcohol or drugs.\n\nSee more on [what travel insurance will cover you for and what it won’t](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/what-does-travel-insurance-cover\/).\n\n## How do I apply for a Schengen travel visa?\nTo apply for a Schengen visa, you’ll need:\n\n- A completed visa application\n- A valid passport\n- Two identical passport photos\n- Your travel itinerary\n- Travel insurance covering up to €30,000 of medical costs.\n\nA Schengen visa typically costs €90 for adults and €45 for children aged 6-12.\n\nSome countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off.\n\n## How much does Schengen travel insurance cost?\nHow much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want.\n\nReady to kickstart your European adventure? Start comparing [travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/) with Compare the Market and get a quote in minutes.\n\n[Get a quote](https:\/\/gateway.comparethemarket.com\/travel\/start)\n\n## FAQs\n### Do I need a Schengen visa if I’m transiting through a European airport?\nWhether you need a Schengen airport transit visa will depend on your nationality. Citizens from certain countries will need a visa when travelling through international airports in some Schengen states.\n\n### What type of Schengen visa do I need?\nWhat type of visa you need will depend on why you’re visiting the area.\n\nIf you’re only travelling through the airport, you may only need a transit visa. If you’re on holiday, or visiting family and friends, you may need a standard short-stay visa.\n\nJournalists, students, and business travellers may need different types of visa.\n\n### Where do I apply for a Schengen visa?\nYou should apply for a Schengen visa at the consulate of the country you’re visiting. If you’re visiting multiple Schengen countries, you should apply to the consulate of the country you’ll be spending the most time in. If your stays will be of equal length, apply to the consulate of the first Schengen state you’ll be entering.\n\n![Karen MacLeod](https:\/\/ctm.bynder.com\/m\/72915ba09b4fe431\/webimage-Karen-Macleod-2026-Headshot.png)\n\nWritten by\n\n[Karen MacLeod](https:\/\/www.comparethemarket.com\/meet-the-experts\/karen-macleod\/)\n\nPersonal finance and insurance specialist\n\nWith more than eight years’ experience in writing and sub-editing content, Karen started her career in fashion before making the move to insurance. She now specialises in producing clear, engaging content that helps people make better financial decisions.\n\nKaren’s areas of expertise include insurance products, such as car insurance, travel insurance and life insurance, as well as utilities such as energy comparison.\n\n![Emily Barnett](https:\/\/assets.comparethemarket.com\/m\/3eff7e937d430ce9\/webimage-Emily-Barnett-Headshot.png)\n\nReviewed by\n\n[Emily Barnett](https:\/\/www.comparethemarket.com\/meet-the-experts\/emily-barnett)\n\nInsurance and utilities expert\n\nOur content is written by a Compare the Market expert, backed by data and enhanced by technology. 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Minimum spend, delivery fees & radius vary by outlet. Card only. Geographical restrictions may apply.\n- **Enjoy 25% off dining out:** App only. Days available\/no. of diners vary by participating restaurant\/outlet. Restrictions may apply to special menus.\n- **Enjoy 25% off barista-made drinks & pastries:** App only. At Caffè Nero. 2 codes per day.\n\nApple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.\n\n© 2026 Compare the Market. All rights reserved. [Terms and conditions](https:\/\/www.comparethemarket.com\/information\/terms-and-conditions\/), [Privacy policy](https:\/\/www.comparethemarket.com\/information\/privacy-policy\/) and [Cookie policy](https:\/\/www.comparethemarket.com\/information\/privacy-policy\/privacy-policy-use-of-cookies\/).","attrs_readable_markdown":"## What is Schengen travel insurance?\nSchengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe.\n\nSchengen travel insurance is a must for people who need a visa to enter the Schengen zone.\n\nUnder EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa.\n\nYour travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay.\n\n### What is Schengen?\nThe Schengen area is a group of 29 countries where EU citizens can travel without border checks.\n\nThe countries that make up the Schengen area include 25 of the 27 EU member states:\n\n- Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.\n\nPlus all members of the European Free Trade Association:\n\n- Iceland, Liechtenstein, Norway and Switzerland.\n\nThe **UK, Ireland** and **Cyprus** aren’t part of Schengen.\n\n## Do UK citizens need a Schengen travel visa?\nUK citizens travelling to the Schengen area for 90 days or less in every 180 days, **don’t need a Schengen visa**.\n\nUK passport holders who want to visit a Schengen country **for more than 90 days out of 180 may need a Schengen visa**. If so, they’ll also need travel insurance with up to €30,000 of medical cover.\n\nBut no matter how long you’re staying in Europe, it’s advisable to get travel insurance.\n\nA [GHIC](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/ghic\/) alone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation.\n\n## Future changes for travel to the EU and Schengen area\nThe EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area.\n\n### EES\nBetween 12 October 2025 and 9 April 2026, the EU is phasing in a new [Entry\/Exit system (EES)](https:\/\/www.gov.uk\/guidance\/eu-entryexit-system). It’ll work like this:\n\n• The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken\n\n• These will be added to a digital record, which will remain valid for three years\n\n• On subsequent trips to the Schengen area, your identity will be checked against your digital record.\n\nAs the new system is being introduced gradually, you might not notice a change straight away.\n\n### ETIAS\nIn late 2026, the EU plans to launch a new [European Travel Information and Authorisation System (ETIAS)](https:\/\/travel-europe.europa.eu\/etias).\n\nNationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area.\n\nTo apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee.\n\nThe ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved.\n\n## When do I need Schengen travel insurance to travel in Europe?\nEU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of [who needs a Schengen visa](https:\/\/home-affairs.ec.europa.eu\/policies\/schengen\/visa-policy\/applying-schengen-visa_en#who-needs-to-apply-for-a-schengen-visa).\n\nBut even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it.\n\nTravel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip.\n\n[Find out more about travel insurance for Europe](https:\/\/www.comparethemarket.com\/travel-insurance\/destinations\/for-europe\/).\n\n## What does Schengen travel insurance cover?\nSchengen travel insurance should give you basic cover for all 29 Schengen countries, including:\n\n- **Medical cover** – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000\n- [Lost, stolen or damaged luggage](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/baggage-cover\/) **and passports** – covers damage to your personal belongings or travel documents\n- [Cancellations and delays](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/does-travel-insurance-cover-flight-cancellations\/) – if your holiday is cancelled, delayed or shortened, you could reclaim some expenses\n- [Repatriation](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/repatriation\/) – covers the cost of getting you home if your airline goes under or you experience a medical emergency.\n## What if I have a pre-existing medical condition?\nIf you have a [pre-existing medical condition](https:\/\/www.comparethemarket.com\/travel-insurance\/medical-conditions\/), your travel insurance is likely to be more expensive.\n\nBut whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected.\n\nWhen you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.\n\nIf your condition is more serious, [MoneyHelper](https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/insurance\/travel-insurance-directory) has a directory of specialist insurance providers which may be able to provide quotes.\n\n## What doesn’t a travel insurance policy include?\nThere are a few things you might not be covered for. These typically include:\n\n- Pre-existing medical conditions that you’ve not mentioned\n- Injuries or accidents from [high-risk adventure activities](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/adventure\/)\n- Injuries or accidents while under the influence of alcohol or drugs.\n\nSee more on [what travel insurance will cover you for and what it won’t](https:\/\/www.comparethemarket.com\/travel-insurance\/content\/what-does-travel-insurance-cover\/).\n\n## How do I apply for a Schengen travel visa?\nTo apply for a Schengen visa, you’ll need:\n\n- A completed visa application\n- A valid passport\n- Two identical passport photos\n- Your travel itinerary\n- Travel insurance covering up to €30,000 of medical costs.\n\nA Schengen visa typically costs €90 for adults and €45 for children aged 6-12.\n\nSome countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off.\n\n## How much does Schengen travel insurance cost?\nHow much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want.\n\nReady to kickstart your European adventure? Start comparing [travel insurance](https:\/\/www.comparethemarket.com\/travel-insurance\/) with Compare the Market and get a quote in minutes.","meta_canonical":null}

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URL	https://www.comparethemarket.com/travel-insurance/content/schengen/
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Meta Title	Schengen Travel Insurance \| Compare the Market
Meta Description	Planning a trip to Europe? Here’s everything you need to know about buying travel insurance for the Schengen area.
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Boilerpipe Text	What is Schengen travel insurance? Schengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe. Schengen travel insurance is a must for people who need a visa to enter the Schengen zone. Under EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa. Your travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay. What is Schengen? The Schengen area is a group of 29 countries where EU citizens can travel without border checks. The countries that make up the Schengen area include 25 of the 27 EU member states: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. Plus all members of the European Free Trade Association: Iceland, Liechtenstein, Norway and Switzerland. The UK, Ireland and Cyprus aren’t part of Schengen. Do UK citizens need a Schengen travel visa? UK citizens travelling to the Schengen area for 90 days or less in every 180 days, don’t need a Schengen visa . UK passport holders who want to visit a Schengen country for more than 90 days out of 180 may need a Schengen visa . If so, they’ll also need travel insurance with up to €30,000 of medical cover. But no matter how long you’re staying in Europe, it’s advisable to get travel insurance. A GHIC alone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation. Future changes for travel to the EU and Schengen area The EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area. EES Between 12 October 2025 and 9 April 2026, the EU is phasing in a new Entry/Exit system (EES) . It’ll work like this: • The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken • These will be added to a digital record, which will remain valid for three years • On subsequent trips to the Schengen area, your identity will be checked against your digital record. As the new system is being introduced gradually, you might not notice a change straight away. ETIAS In late 2026, the EU plans to launch a new European Travel Information and Authorisation System (ETIAS) . Nationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area. To apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee. The ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved. When do I need Schengen travel insurance to travel in Europe? EU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of who needs a Schengen visa . But even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it. Travel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip. Find out more about travel insurance for Europe . What does Schengen travel insurance cover? Schengen travel insurance should give you basic cover for all 29 Schengen countries, including: Medical cover – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000 Lost, stolen or damaged luggage and passports – covers damage to your personal belongings or travel documents Cancellations and delays – if your holiday is cancelled, delayed or shortened, you could reclaim some expenses Repatriation – covers the cost of getting you home if your airline goes under or you experience a medical emergency. What if I have a pre-existing medical condition? If you have a pre-existing medical condition , your travel insurance is likely to be more expensive. But whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions. If your condition is more serious, MoneyHelper has a directory of specialist insurance providers which may be able to provide quotes. What doesn’t a travel insurance policy include? There are a few things you might not be covered for. These typically include: Pre-existing medical conditions that you’ve not mentioned Injuries or accidents from high-risk adventure activities Injuries or accidents while under the influence of alcohol or drugs. See more on what travel insurance will cover you for and what it won’t . How do I apply for a Schengen travel visa? To apply for a Schengen visa, you’ll need: A completed visa application A valid passport Two identical passport photos Your travel itinerary Travel insurance covering up to €30,000 of medical costs. A Schengen visa typically costs €90 for adults and €45 for children aged 6-12. Some countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off. How much does Schengen travel insurance cost? How much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want. Ready to kickstart your European adventure? Start comparing travel insurance with Compare the Market and get a quote in minutes.
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[Home](https://www.comparethemarket.com/) 2. [Travel insurance](https://www.comparethemarket.com/travel-insurance/) 3. [Content](https://www.comparethemarket.com/travel-insurance/content/) # Schengen travel insurance If you’re planning a trip to any of the 29 countries in the Schengen area and aren’t a UK or EU citizen, you’ll probably need a Schengen visa. To apply for a visa, you’ll also need a valid travel insurance policy. 4 min read - Last updated: 12 Oct 2025 ![Karen MacLeod](https://ctm.bynder.com/m/72915ba09b4fe431/webimage-Karen-Macleod-2026-Headshot.png) Written by [Karen MacLeod](https://www.comparethemarket.com/meet-the-experts/karen-macleod/) Personal finance and insurance specialist ![Emily Barnett](https://assets.comparethemarket.com/m/3eff7e937d430ce9/webimage-Emily-Barnett-Headshot.png) Reviewed by [Emily Barnett](https://www.comparethemarket.com/meet-the-experts/emily-barnett) Insurance and utilities expert What's in this article Jump to sections: - [What is Schengen travel insurance?](https://www.comparethemarket.com/travel-insurance/content/schengen/#what-is-schengen-travel-insurance) - [Do UK citizens need a Schengen travel visa?](https://www.comparethemarket.com/travel-insurance/content/schengen/#do-uk-citizens-need-a-schengen-travel-visa) - [Future changes for travel to the EU and Schengen area](https://www.comparethemarket.com/travel-insurance/content/schengen/#future-changes-for-travel-to-the-eu-and-schengen-area) - [When do I need Schengen travel insurance to travel in Europe?](https://www.comparethemarket.com/travel-insurance/content/schengen/#when-do-i-need-schengen-travel-insurance-to-travel-in-europe) - [What does Schengen travel insurance cover?](https://www.comparethemarket.com/travel-insurance/content/schengen/#what-does-schengen-travel-insurance-cover) - [What if I have a pre-existing medical condition?](https://www.comparethemarket.com/travel-insurance/content/schengen/#what-if-i-have-a-preexisting-medical-condition) - [What doesn’t a travel insurance policy include?](https://www.comparethemarket.com/travel-insurance/content/schengen/#what-doesnt-a-travel-insurance-policy-include) - [How do I apply for a Schengen travel visa?](https://www.comparethemarket.com/travel-insurance/content/schengen/#how-do-i-apply-for-a-schengen-travel-visa) - [How much does Schengen travel insurance cost?](https://www.comparethemarket.com/travel-insurance/content/schengen/#how-much-does-schengen-travel-insurance-cost) Show more ### 60-second summary What do you need to know about travelling to the Schengen area? Here’s a summary: - Non-EU citizens typically need a Schengen visa to travel to the Schengen area if staying for longer than 90 days in a 180-day period. - UK citizens don’t need a visa to visit the Schengen region for short stays, but travel insurance is still advisable. - UK passport holders visiting the Schengen area for more than 90 days will need a Schengen visa and travel insurance. - Travel insurance with up to €30,000 medical cover is required by EU law for anyone who needs a Schengen visa. ## What is Schengen travel insurance? Schengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe. Schengen travel insurance is a must for people who need a visa to enter the Schengen zone. Under EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa. Your travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay. ### What is Schengen? The Schengen area is a group of 29 countries where EU citizens can travel without border checks. The countries that make up the Schengen area include 25 of the 27 EU member states: - Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. Plus all members of the European Free Trade Association: - Iceland, Liechtenstein, Norway and Switzerland. The UK, Ireland and Cyprus aren’t part of Schengen. ## Do UK citizens need a Schengen travel visa? UK citizens travelling to the Schengen area for 90 days or less in every 180 days, don’t need a Schengen visa. UK passport holders who want to visit a Schengen country for more than 90 days out of 180 may need a Schengen visa. If so, they’ll also need travel insurance with up to €30,000 of medical cover. But no matter how long you’re staying in Europe, it’s advisable to get travel insurance. A [GHIC](https://www.comparethemarket.com/travel-insurance/content/ghic/) alone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation. ## Future changes for travel to the EU and Schengen area The EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area. ### EES Between 12 October 2025 and 9 April 2026, the EU is phasing in a new [Entry/Exit system (EES)](https://www.gov.uk/guidance/eu-entryexit-system). It’ll work like this: • The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken • These will be added to a digital record, which will remain valid for three years • On subsequent trips to the Schengen area, your identity will be checked against your digital record. As the new system is being introduced gradually, you might not notice a change straight away. ### ETIAS In late 2026, the EU plans to launch a new [European Travel Information and Authorisation System (ETIAS)](https://travel-europe.europa.eu/etias). Nationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area. To apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee. The ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved. ## When do I need Schengen travel insurance to travel in Europe? EU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of [who needs a Schengen visa](https://home-affairs.ec.europa.eu/policies/schengen/visa-policy/applying-schengen-visa_en#who-needs-to-apply-for-a-schengen-visa). But even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it. Travel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip. [Find out more about travel insurance for Europe](https://www.comparethemarket.com/travel-insurance/destinations/for-europe/). ## What does Schengen travel insurance cover? Schengen travel insurance should give you basic cover for all 29 Schengen countries, including: - Medical cover – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000 - [Lost, stolen or damaged luggage](https://www.comparethemarket.com/travel-insurance/content/baggage-cover/) and passports – covers damage to your personal belongings or travel documents - [Cancellations and delays](https://www.comparethemarket.com/travel-insurance/content/does-travel-insurance-cover-flight-cancellations/) – if your holiday is cancelled, delayed or shortened, you could reclaim some expenses - [Repatriation](https://www.comparethemarket.com/travel-insurance/content/repatriation/) – covers the cost of getting you home if your airline goes under or you experience a medical emergency. ## What if I have a pre-existing medical condition? If you have a [pre-existing medical condition](https://www.comparethemarket.com/travel-insurance/medical-conditions/), your travel insurance is likely to be more expensive. But whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions. If your condition is more serious, [MoneyHelper](https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory) has a directory of specialist insurance providers which may be able to provide quotes. ## What doesn’t a travel insurance policy include? There are a few things you might not be covered for. These typically include: - Pre-existing medical conditions that you’ve not mentioned - Injuries or accidents from [high-risk adventure activities](https://www.comparethemarket.com/travel-insurance/content/adventure/) - Injuries or accidents while under the influence of alcohol or drugs. See more on [what travel insurance will cover you for and what it won’t](https://www.comparethemarket.com/travel-insurance/content/what-does-travel-insurance-cover/). ## How do I apply for a Schengen travel visa? To apply for a Schengen visa, you’ll need: - A completed visa application - A valid passport - Two identical passport photos - Your travel itinerary - Travel insurance covering up to €30,000 of medical costs. A Schengen visa typically costs €90 for adults and €45 for children aged 6-12. Some countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off. ## How much does Schengen travel insurance cost? How much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want. Ready to kickstart your European adventure? Start comparing [travel insurance](https://www.comparethemarket.com/travel-insurance/) with Compare the Market and get a quote in minutes. [Get a quote](https://gateway.comparethemarket.com/travel/start) ## FAQs ### Do I need a Schengen visa if I’m transiting through a European airport? Whether you need a Schengen airport transit visa will depend on your nationality. Citizens from certain countries will need a visa when travelling through international airports in some Schengen states. ### What type of Schengen visa do I need? What type of visa you need will depend on why you’re visiting the area. If you’re only travelling through the airport, you may only need a transit visa. If you’re on holiday, or visiting family and friends, you may need a standard short-stay visa. Journalists, students, and business travellers may need different types of visa. ### Where do I apply for a Schengen visa? You should apply for a Schengen visa at the consulate of the country you’re visiting. If you’re visiting multiple Schengen countries, you should apply to the consulate of the country you’ll be spending the most time in. If your stays will be of equal length, apply to the consulate of the first Schengen state you’ll be entering. ![Karen MacLeod](https://ctm.bynder.com/m/72915ba09b4fe431/webimage-Karen-Macleod-2026-Headshot.png) Written by [Karen MacLeod](https://www.comparethemarket.com/meet-the-experts/karen-macleod/) Personal finance and insurance specialist With more than eight years’ experience in writing and sub-editing content, Karen started her career in fashion before making the move to insurance. She now specialises in producing clear, engaging content that helps people make better financial decisions. Karen’s areas of expertise include insurance products, such as car insurance, travel insurance and life insurance, as well as utilities such as energy comparison. ![Emily Barnett](https://assets.comparethemarket.com/m/3eff7e937d430ce9/webimage-Emily-Barnett-Headshot.png) Reviewed by [Emily Barnett](https://www.comparethemarket.com/meet-the-experts/emily-barnett) Insurance and utilities expert Our content is written by a Compare the Market expert, backed by data and enhanced by technology. Find out how we ensure accuracy and quality in our [Editorial Guidelines](https://www.comparethemarket.com/about-us/editorial-guidelines/). ## Related Articles - [Travel insurance](https://www.comparethemarket.com/travel-insurance/) - [Compare European travel insurance](https://www.comparethemarket.com/travel-insurance/destinations/for-europe/) - [European breakdown cover](https://www.comparethemarket.com/breakdown-cover/europe/) ## Looking for something else? 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Readable Markdown	## What is Schengen travel insurance? Schengen travel insurance gives non-EU citizens travel and medical cover for the Schengen area in Europe. Schengen travel insurance is a must for people who need a visa to enter the Schengen zone. Under EU law, you’ll need a minimum of €30,000 medical cover for a Schengen visa. Your travel insurance policy must be valid for all countries in the Schengen area. It must also cover the entire duration of your stay. ### What is Schengen? The Schengen area is a group of 29 countries where EU citizens can travel without border checks. The countries that make up the Schengen area include 25 of the 27 EU member states: - Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. Plus all members of the European Free Trade Association: - Iceland, Liechtenstein, Norway and Switzerland. The UK, Ireland and Cyprus aren’t part of Schengen. ## Do UK citizens need a Schengen travel visa? UK citizens travelling to the Schengen area for 90 days or less in every 180 days, don’t need a Schengen visa. UK passport holders who want to visit a Schengen country for more than 90 days out of 180 may need a Schengen visa. If so, they’ll also need travel insurance with up to €30,000 of medical cover. But no matter how long you’re staying in Europe, it’s advisable to get travel insurance. A [GHIC](https://www.comparethemarket.com/travel-insurance/content/ghic/) alone will only cover limited medical costs. And it won’t cover you for repatriation, lost baggage or trip cancellation. ## Future changes for travel to the EU and Schengen area The EU is introducing some important changes, which will affect UK citizens travelling to and from the Schengen area. ### EES Between 12 October 2025 and 9 April 2026, the EU is phasing in a new [Entry/Exit system (EES)](https://www.gov.uk/guidance/eu-entryexit-system). It’ll work like this: • The first time you enter or leave the Schengen area, you’ll have your fingerprints and photo taken • These will be added to a digital record, which will remain valid for three years • On subsequent trips to the Schengen area, your identity will be checked against your digital record. As the new system is being introduced gradually, you might not notice a change straight away. ### ETIAS In late 2026, the EU plans to launch a new [European Travel Information and Authorisation System (ETIAS)](https://travel-europe.europa.eu/etias). Nationals from visa-exempt countries, including the UK, will need to apply for an ETIAS travel authorisation before traveling to the Schengen area. To apply for an ETIAS, you’ll need to provide some personal information, your travel details and pay a €20 fee. Certain groups, including travellers under 18 and over 70, will be exempt from paying the fee. The ETIAS application process will be completed online, and in most cases should only take a few minutes to be approved. ## When do I need Schengen travel insurance to travel in Europe? EU law requires anyone applying for a Schengen visa to have travel insurance. The European Commission website has a full list of [who needs a Schengen visa](https://home-affairs.ec.europa.eu/policies/schengen/visa-policy/applying-schengen-visa_en#who-needs-to-apply-for-a-schengen-visa). But even if you don’t need travel insurance to enter the Schengen area, it’s still a good idea to have it. Travel insurance can cover you for medical emergencies, and compensate you if your belongings are lost or stolen or if you have to cancel your trip. [Find out more about travel insurance for Europe](https://www.comparethemarket.com/travel-insurance/destinations/for-europe/). ## What does Schengen travel insurance cover? Schengen travel insurance should give you basic cover for all 29 Schengen countries, including: - Medical cover – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000 - [Lost, stolen or damaged luggage](https://www.comparethemarket.com/travel-insurance/content/baggage-cover/) and passports – covers damage to your personal belongings or travel documents - [Cancellations and delays](https://www.comparethemarket.com/travel-insurance/content/does-travel-insurance-cover-flight-cancellations/) – if your holiday is cancelled, delayed or shortened, you could reclaim some expenses - [Repatriation](https://www.comparethemarket.com/travel-insurance/content/repatriation/) – covers the cost of getting you home if your airline goes under or you experience a medical emergency. ## What if I have a pre-existing medical condition? If you have a [pre-existing medical condition](https://www.comparethemarket.com/travel-insurance/medical-conditions/), your travel insurance is likely to be more expensive. But whatever happens, don’t lie to an insurance provider. Doing so could mean any claim you make is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions. If your condition is more serious, [MoneyHelper](https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory) has a directory of specialist insurance providers which may be able to provide quotes. ## What doesn’t a travel insurance policy include? There are a few things you might not be covered for. These typically include: - Pre-existing medical conditions that you’ve not mentioned - Injuries or accidents from [high-risk adventure activities](https://www.comparethemarket.com/travel-insurance/content/adventure/) - Injuries or accidents while under the influence of alcohol or drugs. See more on [what travel insurance will cover you for and what it won’t](https://www.comparethemarket.com/travel-insurance/content/what-does-travel-insurance-cover/). ## How do I apply for a Schengen travel visa? To apply for a Schengen visa, you’ll need: - A completed visa application - A valid passport - Two identical passport photos - Your travel itinerary - Travel insurance covering up to €30,000 of medical costs. A Schengen visa typically costs €90 for adults and €45 for children aged 6-12. Some countries have different requirements for Schengen visas. So always check with the consulate of the country (or countries) you’re planning to visit before you set off. ## How much does Schengen travel insurance cost? How much you pay for travel insurance to the Schengen area will depend on your age, where you’re going and how long you’re staying. It’ll also depend on how much cover you want. Ready to kickstart your European adventure? Start comparing [travel insurance](https://www.comparethemarket.com/travel-insurance/) with Compare the Market and get a quote in minutes.
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