🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 3 (from laksa136)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa003.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.experian.com/blogs/ask-experian/who-needs-schengen-visa-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.experian.com/blogs/ask-experian/who-needs-schengen-visa-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.experian.com\/blogs\/ask-experian\/who-needs-schengen-visa-insurance\/","crawl_time":1775868951,"first_indexed_time":1761491081,"http_code":200,"src_unparsed":"com,experian!www,\/blogs\/ask-experian\/who-needs-schengen-visa-insurance\/ s443","src_root_hash":"17510677425881133803","history_drop_reason":null,"meta_title":"Who Needs Schengen Visa Insurance?","meta_descriptions":["Learn who needs Schengen visa insurance, what countries are included in the Schengen area and how to get Schengen visa insurance."],"attrs_boilerpipe_text":"If you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa.\nWhat Is Schengen Visa Insurance?\nA Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is\nproof of medical insurance\n, which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area.\nSchengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays.\nWhat Countries Are Included in the Schengen Area?\nThere are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union.\nThe current list of Schengen countries includes:\nAustria\nBelgium\nBulgaria\nCroatia\nCzechia\/Czech Republic\nDenmark\nEstonia\nFinland\nFrance\nGermany\nGreece\nHungary\nIceland\nItaly\nLatvia\nLiechtenstein\nLithuania\nLuxembourg\nMalta\nNetherlands\nNorway\nPoland\nPortugal\nRomania\nSlovakia\nSlovenia\nSpain\nSweden\nSwitzerland\nBulgaria and Romania are the newest Schengen region members, joining the agreement in 2025.\nLearn more:\nWhat Does Travel Insurance Cover?\nWho Needs Schengen Visa Insurance?\nGenerally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance.\nThere are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too.\nStarting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries.\nLearn more:\nWhat to Know About ETIAS Requirements\nSchengen Visa Insurance Requirements\nHaving medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa.\nSpecifically, you must have insurance that covers:\nThe entire Schengen region:\nThe coverage must include all 29 countries in the Schengen agreement.\nThe full duration of your stay:\nYour coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days.\nAt least 30,000 euros in medical expenses:\nThis must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required.\nOften, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or\ntravel insurance policy\nmay suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa.\nTip:\nEven if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country.\nHow Much Does Schengen Visa Insurance Cost?\nThe cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost.\nCosts for a Schengen visa insurance policy vary from about $14 for a week of coverage to $314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies.\nLearn more:\nAverage Cost of Travel Insurance\nHow to Get Schengen Visa Insurance\nYou can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage.\nWhen applying, you will need the following information:\nYour travel dates\nThe country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip)\nYour age or birth date\nYour country and state of residence\nTrip cost\nRemember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24\/7 traveler assistance are all types of coverage you might explore as well.\nThe Bottom Line\nBefore you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching.","attrs_markdown":"You are using an unsupported browser. Our site may still be usable, but full functionality cannot be guaranteed.\n\n[Skip to main content](https:\/\/www.experian.com\/blogs\/ask-experian\/who-needs-schengen-visa-insurance\/#main)\n\n[![Experian logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-experian.svg)](https:\/\/www.experian.com\/)\n\n[Sign in](https:\/\/www.experian.com\/help\/login\/)\n\n[![Experian logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-experian.svg)](https:\/\/www.experian.com\/)\n\n- Credit\n  \n  Credit\n  \n  - [Free credit report](https:\/\/www.experian.com\/credit\/credit-report\/)\n    \n    See your latest credit information\n  - [Free credit score](https:\/\/www.experian.com\/credit\/credit-score\/)\n    \n    Get to know your FICO® Score\n  - [Experian Boost®](https:\/\/www.experian.com\/credit\/score-boost\/)\n    \n    Raise your credit scores instantly\n  - [Experian Go™](https:\/\/www.experian.com\/credit\/experian-go\/)\n    \n    Establish and build your credit\n  \n  ###### Credit support\n  - [Security freeze](https:\/\/www.experian.com\/help\/credit-freeze\/)\n  - [Disputes](https:\/\/www.experian.com\/help\/dispute-credit\/)\n  - [Fraud alert](https:\/\/www.experian.com\/help\/fraud-alert\/)\n  - [Contact us](https:\/\/www.experian.com\/help\/contact\/)\n  \n  ###### Credit advice\n  Most popular\n  \n  - [What is a good credit score?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/)\n  - [Credit score ranges](https:\/\/www.experian.com\/blogs\/ask-experian\/infographic-what-are-the-different-scoring-ranges\/)\n  - [Average credit score in the U.S.](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-average-credit-score-in-the-u-s\/)\n  - [Improving your credit](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/improve-credit-score\/)\n  - [How to build credit](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/building-credit\/)\n  - [What is a credit bureau?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-credit-bureau\/)\n  - [Freeze your credit at all 3 credit bureaus](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/security-freeze\/)\n  - [How credit utilization impacts credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-will-high-credit-utilization-hurt-credit-score\/)\n  \n  Credit reports\n  \n  - [How to remove credit inquiries](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-hard-inquiries-from-credit-report\/)\n  - [Collections on your credit report](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/report-basics\/how-and-when-collections-are-removed-from-a-credit-report\/)\n  - [What is a charge-off?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-charge-off\/)\n  - [How bankruptcy works](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/bankruptcy-how-it-works-types-and-consequences\/)\n  - [Get credit reports from all 3 credit bureaus](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/report-basics\/my-credit-report\/)\n  - [Check your credit report and file disputes](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-check-credit-report-and-file-disputes\/)\n  - [How to remove a paid collection](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-i-get-a-paid-collection-off-my-credit-report\/)\n  \n  Credit scores\n  \n  - [Impact of paying off a credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-after-paying-off-a-credit-card-will-my-credit-score-go-up\/)\n  - [Reasons to have a good credit score](https:\/\/www.experian.com\/blogs\/ask-experian\/why-would-you-want-a-good-credit-score\/)\n  - [Does checking credit score lower it?](https:\/\/www.experian.com\/blogs\/ask-experian\/does-checking-your-credit-score-lower-it\/)\n  - [What is a perfect credit score?](https:\/\/www.experian.com\/blogs\/ask-experian\/perfect-scores-who-has-them-and-what-do-they-have-in-common\/)\n  - [Different types of credit scores](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-difference-between-fico-score-and-credit-score\/)\n  - [What factors affect your credit score?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-affects-your-credit-scores\/)\n  - [How the FICO® Score Simulator works](https:\/\/www.experian.com\/blogs\/ask-experian\/how-does-credit-score-simulator-work\/)\n  - [Why did your credit score drop?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-did-my-credit-score-drop\/)\n  \n  Improving credit\n  \n  - [Reasons your credit score isn’t increasing](https:\/\/www.experian.com\/blogs\/ask-experian\/reasons-your-credit-score-isnt-increasing\/)\n  - [Will credit improve after debt payoff?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-after-you-pay-off-debt-does-your-credit-improve\/)\n  - [Does a mortgage hurt your credit score?](https:\/\/www.experian.com\/blogs\/ask-experian\/does-mortgage-hurt-credit-score\/)\n  - [How to build credit with credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-use-a-credit-card-to-build-credit\/)\n  - [How to repair your credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-repair-credit\/)\n  - [What is Experian Boost?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-experian-boost\/)\n  - [How utility bills can boost your credit](https:\/\/www.experian.com\/blogs\/ask-experian\/does-paying-utility-bills-help-your-credit-score\/)\n  - [How often a credit report is updated](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-information-is-updated-continuously\/)\n  \n  Establishing credit\n  \n  - [How to build credit with no credit history](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-build-credit-with-no-credit-history\/)\n  - [How to establish credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-establish-credit-as-a-young-person\/)\n  - [How to get first-time credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-can-i-get-credit-for-the-first-time\/)\n  - [How to get credit with no credit history](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-credit-card-if-you-dont-have-a-credit-history\/)\n  - [Credit mistakes to avoid](https:\/\/www.experian.com\/blogs\/ask-experian\/common-credit-mistakes-to-avoid\/)\n  - [How long does it take to build credit?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-does-it-take-to-build-credit\/)\n  - [How credit history affects your credit](https:\/\/www.experian.com\/blogs\/ask-experian\/length-of-credit-history-affect-credit-scores\/)\n  - [Credit cards for no credit](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-easiest-credit-card-to-get-with-no-credit\/)\n- Protection\n  \n  Protection\n  \n  - [Identity theft and fraud](https:\/\/www.experian.com\/protection\/identity-theft-and-credit-protection\/)\n    \n    ID monitoring, alerts and protection\n  - [Free dark web scan](https:\/\/www.experian.com\/protection\/free-dark-web-email-scan\/)\n    \n    Scan for your SSN, phone and email\n  - [Free personal privacy scan](https:\/\/www.experian.com\/protection\/personal-privacy-scan\/)\n    \n    Find your info on people finder sites\n  \n  ###### Identity Theft support\n  - [Security freeze](https:\/\/www.experian.com\/help\/credit-freeze\/)\n  - [Fraud alert](https:\/\/www.experian.com\/help\/fraud-alert\/)\n  - [Disputes](https:\/\/www.experian.com\/help\/dispute-credit\/)\n  - [Contact us](https:\/\/www.experian.com\/help\/contact\/)\n  \n  ###### Identity Theft Advice\n  Most popular\n  \n  - [What is identity theft?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-identity-theft\/)\n  - [Fraud alert and credit freeze differences](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-difference-between-a-credit-freeze-and-fraud-alert\/)\n  - [Remove fraud from your credit report](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-fraud-information-from-credit-report\/)\n  - [Identity theft statistics](https:\/\/www.experian.com\/blogs\/ask-experian\/identity-theft-statistics\/)\n  - [What are the latest scams?](https:\/\/www.experian.com\/blogs\/ask-experian\/the-latest-scams-you-need-to-aware-of\/)\n  \n  Identity theft and fraud\n  \n  - [How to check for identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-you-check-for-identity-theft\/)\n  - [What if your Social Security number is stolen?](https:\/\/www.experian.com\/blogs\/ask-experian\/3-steps-to-take-if-your-social-security-number-has-been-stolen\/)\n  - [How to avoid identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/)\n  - [Types of identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/20-types-of-identity-theft-and-fraud\/)\n  - [How to protect your identity](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-protect-yourself-from-identity-theft\/)\n  - [What is a fraud alert?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-fraud-alert\/)\n  - [Do fraud alerts expire?](https:\/\/www.experian.com\/blogs\/ask-experian\/do-fraud-alerts-expire\/)\n  \n  Cybersecurity\n  \n  - [What is the dark web?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-dark-web\/)\n  - [What is dark web monitoring?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-dark-web-monitoring\/)\n  - [What to do about a data breach](https:\/\/www.experian.com\/blogs\/ask-experian\/data-breach-five-things-to-do-after-your-information-has-been-stolen\/)\n  - [Protect your information from the dark web](https:\/\/www.experian.com\/blogs\/ask-experian\/what-to-do-if-information-is-found-on-dark-web\/)\n  - [Tips for victims of credit card fraud](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/credit-card-fraud-what-to-do-if-you-are-a-victim\/)\n  - [What is a VPN?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-vpn\/)\n  \n  Privacy\n  \n  - [How to protect your info online](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-you-protect-your-personal-information-online\/)\n  - [Remove your info from people search sites](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-your-information-from-people-search-sites\/)\n  - [How to get off robocall lists](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-your-name-from-robocall-lists\/)\n  - [Social media safety tips](https:\/\/www.experian.com\/blogs\/ask-experian\/9-ways-to-stay-safe-on-social-media\/)\n  - [Identity thieves and your personal info](https:\/\/www.experian.com\/blogs\/ask-experian\/what-can-identity-thieves-do-with-your-personal-information-and-how-can-you-protect-yourself\/)\n  - [How to keep your SSN safe](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-keep-social-security-number-safe\/)\n- Money\n  \n  Money\n  \n  - [Manage your expenses](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/)\n    \n    Save on your monthly bills and cancel unwanted subscriptions\n  - [Digital savings account](https:\/\/www.experian.com\/money\/experian-digital-savings\/)\n    \n    Discover a smarter way to grow your savings\n  - [Digital checking account](https:\/\/www.experian.com\/money\/experian-smart-money\/)\n    \n    Check out a digital checking account with no monthly fees\n  \n  ###### Money advice\n  Most popular\n  \n  - [Best high-yield savings accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/best-high-yield-savings-accounts\/)\n  - [Best CD rates](https:\/\/www.experian.com\/blogs\/ask-experian\/best-cd-rates\/)\n  - [Best money market accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/best-money-market-accounts\/)\n  - [Challenges to help you save money](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-challenges-to-try-this-year\/)\n  - [Can you deposit money at any ATM?](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-deposit-money-at-any-atm\/)\n  - [Savings accounts that pay high interest](https:\/\/www.experian.com\/blogs\/ask-experian\/which-type-of-savings-account-pays-highest-interest-rate\/)\n  - [Opening a high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-open-high-yield-savings-account\/)\n  - [Pros and cons of high-yield savings](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-high-yield-savings-account\/)\n  \n  Save money on bills\n  \n  - [Tips for spending money wisely](https:\/\/www.experian.com\/blogs\/ask-experian\/tips-for-spending-money-wisely\/)\n  - [How to make a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-a-budget\/)\n  - [Ways to reduce expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-reduce-expenses\/)\n  - [Ways to plan for unexpected expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-plan-for-unexpected-expenses\/)\n  - [What is an emergency fund?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-an-emergency-fund\/)\n  - [Ways to save money](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/)\n  - [What is a budget?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-budget\/)\n  - [Why is budgeting important?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-is-budgeting-important\/)\n  \n  Digital savings account\n  \n  - [Current average savings interest rates](https:\/\/www.experian.com\/blogs\/ask-experian\/average-savings-account-rates\/)\n  - [Benefits of having a savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/benefits-of-savings-account\/)\n  - [Types of savings accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/types-of-savings-accounts\/)\n  - [Ways to earn more money on your savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-earn-extra-money-on-your-savings\/)\n  - [Is savings account interest taxable?](https:\/\/www.experian.com\/blogs\/ask-experian\/do-you-get-taxed-on-your-savings-account\/)\n  - [Average savings by age](https:\/\/www.experian.com\/blogs\/ask-experian\/average-savings-by-age\/)\n  - [How many savings accounts should I have?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-savings-accounts-can-you-have\/)\n  - [Savings calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-calculator\/)\n  \n  Digital checking account\n  \n  - [What is Experian Smart Money?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-experian-smart-money\/)\n  - [How do bank account bonuses work?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-bank-account-bonuses-work\/)\n  - [Why was I denied a checking account?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-was-i-denied-a-checking-account\/)\n  - [What is a high-yield checking account?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-high-yield-checking-account\/)\n  - [Earn cash back with a debit card](https:\/\/www.experian.com\/blogs\/ask-experian\/debit-cards-that-offer-cash-back-rewards\/)\n  - [Pros and cons of premium checking](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-premium-checking-account\/)\n  - [Routing number vs. account number](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-difference-between-routing-and-account-numbers\/)\n  - [Why was my debit card declined?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-is-debit-card-declining\/)\n- Credit Cards\n  \n  Credit Cards\n  \n  - [All credit card types](https:\/\/www.experian.com\/credit-cards\/)\n  - [Balance transfer](https:\/\/www.experian.com\/credit-cards\/best-balance-transfer\/)\n  - [Cash back](https:\/\/www.experian.com\/credit-cards\/best-cash-back\/)\n  - [For bad credit](https:\/\/www.experian.com\/credit-cards\/best-for-bad-credit\/)\n  - [Low interest](https:\/\/www.experian.com\/credit-cards\/best-low-interest\/)\n  - [Rewards](https:\/\/www.experian.com\/credit-cards\/best-rewards\/)\n  - [Secured](https:\/\/www.experian.com\/credit-cards\/best-secured\/)\n  \n  ###### Credit Card advice\n  Most popular\n  \n  - [How to pay off credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/how-to-pay-off-credit-card-debt\/)\n  - [How many credit cards should I have?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/)\n  - [How to use credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-use-a-credit-card\/)\n  - [Which credit card should I get?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-credit-card-should-i-get\/)\n  - [What is an APR?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-apr\/)\n  - [Average credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/state-of-credit-cards\/)\n  - [Credit card payoff calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-card-payoff-calculator\/)\n  \n  Balance transfer\n  \n  - [How balance transfers work](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-balance-transfer-and-how-does-it-work\/)\n  - [How long does a balance transfer take?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-does-a-credit-card-balance-transfer-take\/)\n  - [What are balance transfer credit cards?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/balance-transfer-credit-cards\/)\n  - [What is a balance transfer?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-balance-transfer-and-how-does-it-work\/)\n  - [What is a credit utilization rate?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/credit-utilization-rate\/)\n  \n  Cash back\n  \n  - [How cash back works](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-cash-back-credit-cards-work\/)\n  - [What is a credit card cash advance fee?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-credit-card-cash-advance-fee\/)\n  - [Cash back vs. points](https:\/\/www.experian.com\/blogs\/ask-experian\/cash-back-vs-points-which-rewards-credit-card-is-better\/)\n  \n  For bad credit\n  \n  - [Applying for a credit card with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-apply-for-a-credit-card-with-bad-credit\/)\n  - [Balance transfer cards with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-a-balance-transfer-card-with-bad-credit\/)\n  - [Getting a credit card after bankruptcy](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-a-credit-card-after-bankruptcy\/)\n  - [Easy store cards to get with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-easiest-store-card-to-get-with-bad-credit\/)\n  \n  APR\n  \n  - [What is a good APR?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-good-apr-for-a-credit-card\/)\n  - [Lowering your credit card interest rate](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-lower-credit-card-interest-rate\/)\n  - [Fed interest rate impact on credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-fed-rate-cuts-impact-credit-cards\/)\n  - [How much available credit is best?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-much-available-credit-should-i-have\/)\n  - [APR calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/apr-calculator\/)\n  \n  Rewards\n  \n  - [How to choose a rewards credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-choose-rewards-credit-card\/)\n  - [Are rewards credit cards worth it?](https:\/\/www.experian.com\/blogs\/ask-experian\/are-rewards-cards-worth-it\/)\n  - [What is a rewards credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-rewards-credit-card\/)\n  - [Ways to redeem credit card rewards](https:\/\/www.experian.com\/blogs\/ask-experian\/best-ways-to-redeem-credit-card-rewards\/)\n  - [Credit score needed to get a rewards card](https:\/\/www.experian.com\/blogs\/ask-experian\/what-credit-score-do-you-need-to-get-a-rewards-card\/)\n  \n  New to credit\n  \n  - [What is a secured credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-secured-credit-card\/)\n  - [How to use a secured credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-use-a-secured-credit-card\/)\n  - [Secured vs. prepaid credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/secured-card-vs-prepaid-card\/)\n  - [How to get a secured credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-secured-credit-card\/)\n  - [Secured credit card with no deposit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-get-secured-card-with-no-deposit\/)\n  - [Can I get an unsecured credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-an-unsecured-credit-card-with-a-500-credit-score\/)\n- Loans\n  \n  Loans\n  \n  - [All loan types](https:\/\/www.experian.com\/loans\/)\n  - [Debt consolidation](https:\/\/www.experian.com\/loans\/debt-consolidation\/)\n  - [Personal](https:\/\/www.experian.com\/loans\/personal\/)\n  \n  ###### Loan types\n  - [Quick loans](https:\/\/www.experian.com\/loans\/personal\/quick-loans\/)\n  - [Emergency loans](https:\/\/www.experian.com\/loans\/personal\/emergency-loans\/)\n  - [Bad credit loans](https:\/\/www.experian.com\/loans\/personal\/bad-credit\/)\n  - [Unsecured loans](https:\/\/www.experian.com\/loans\/personal\/best-unsecured-loans\/)\n  - [Small loans](https:\/\/www.experian.com\/loans\/personal\/small-loans\/)\n  - [\\$5,000 loans](https:\/\/www.experian.com\/loans\/personal\/5000-loan\/)\n  - [Personal loan for car](https:\/\/www.experian.com\/loans\/personal\/car-purchase\/)\n  \n  ###### Loan advice\n  Most popular\n  \n  - [What is a personal loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-personal-loan\/)\n  - [Emergency loans with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-an-emergency-loan-with-bad-credit\/)\n  - [What is a secured loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-secured-loan\/)\n  - [How do personal loans impact credit?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-does-a-personal-loan-impact-your-credit\/)\n  - [Personal loan calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/personal-loan-calculator\/)\n  - [APR vs. interest rate](https:\/\/www.experian.com\/blogs\/ask-experian\/apr-vs-interest-rate-whats-the-difference\/)\n  \n  Debt consolidation\n  \n  - [Personal loans to pay off credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/should-i-get-a-personal-loan-to-pay-off-my-credit-card\/)\n  - [Payday loan consolidation](https:\/\/www.experian.com\/blogs\/ask-experian\/what-to-know-about-payday-loan-consolidation\/)\n  - [What is debt consolidation?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-debt-consolidation\/)\n  - [How to get a debt consolidation loan](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-debt-consolidation-loan\/)\n  \n  Personal\n  \n  - [Getting a personal loan with no credit check](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-personal-loan-without-a-credit-check\/)\n  - [What to know before applying for a loan](https:\/\/www.experian.com\/blogs\/ask-experian\/personal-loans-what-to-know-before-you-apply\/)\n  - [What is a credit-builder loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-credit-builder-loan\/)\n  - [Average personal loan debt](https:\/\/www.experian.com\/blogs\/ask-experian\/research\/personal-loan-study\/)\n  - [Getting a personal loan with a cosigner](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-get-a-personal-loan-with-a-cosigner\/)\n- Insurance\n  \n  Insurance\n  \n  - [Auto insurance](https:\/\/www.experian.com\/insurance\/car-insurance-quotes\/)\n    \n    Compare, switch and save\n  \n  ###### Auto Insurance Advice\n  Most popular\n  \n  - [Average cost of car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/average-cost-car-insurance\/)\n  - [Cheapest states for car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/cheapest-car-insurance\/)\n  - [Bundling home and auto insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/should-you-bundle-your-home-and-auto-insurance\/)\n  - [Top car insurance discounts](https:\/\/www.experian.com\/blogs\/ask-experian\/top-car-insurance-discounts\/)\n  - [How to save on car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-on-auto-insurance\/)\n  - [Factors that impact car insurance rates](https:\/\/www.experian.com\/blogs\/ask-experian\/factors-that-determine-your-car-insurance-rates\/)\n  - [How accidents affect insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-does-an-accident-stay-on-your-insurance\/)\n  - [Liability vs. full coverage car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/liability-vs-full-coverage-car-insurance\/)\n\n[Sign in](https:\/\/www.experian.com\/help\/login\/)\n\n- [Consumer](https:\/\/www.experian.com\/)\n- [Small Business](https:\/\/www.experian.com\/small-business\/)\n- [Business](https:\/\/www.experian.com\/business\/)\n\n- [Consumer Support](https:\/\/www.experian.com\/help\/)\n- [Financial Guidance](https:\/\/www.experian.com\/blogs\/ask-experian\/)\n- [Global Sites](https:\/\/www.experianplc.com\/contact-us\/region\/)\n\nAdvertiser Disclosure\n\n- \/\n- [Insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/insurance\/) \/\n- [Travel Insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/insurance\/travel-insurance\/)\n# Who Needs Schengen Visa Insurance?\n![Aly J. Yale profile image](https:\/\/www.experian.com\/static\/blog\/profiles-byline\/aly-yale.webp)By [Aly J. Yale](https:\/\/www.experian.com\/blogs\/ask-experian\/author\/aly-yale\/)\n\n![Michelle Tipsword profile image](https:\/\/www.experian.com\/static\/blog\/profiles-byline\/michelle-tipsword.webp)Edited by [Michelle Tipsword](https:\/\/www.experian.com\/blogs\/ask-experian\/author\/michelle-tipsword\/)\n\n3 min readOct 26, 2025\n\nIn this article\n\n- What Is Schengen Visa Insurance?\n- Who Needs Schengen Visa Insurance?\n- Schengen Visa Insurance Requirements\n- How Much Does Schengen Visa Insurance Cost?\n- How to Get Schengen Visa Insurance\n\n![Light bulb icon.](https:\/\/www.experian.com\/static\/shared\/icons\/icon-light-bulb.svg)\n\n## Quick Answer\nSchengen visa insurance is a type of medical insurance that may be required if you are traveling to one of the 29 Schengen agreement countries.\n\n![Happy young couple sitting on the stairs beside a gondola docked in a canal in Venice, enjoying the sunny day](https:\/\/www.experian.com\/blogs\/ask-experian\/wp-content\/uploads\/who-needs-schengen-visa-insurance.jpg.webp)\n\nIf you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa.\n\n## What Is Schengen Visa Insurance?\nA Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is [proof of medical insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-travel-medical-insurance\/), which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area.\n\nSchengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays.\n\n### What Countries Are Included in the Schengen Area?\nThere are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union.\n\nThe current list of Schengen countries includes:\n\n- Austria\n- Belgium\n- Bulgaria\n- Croatia\n- Czechia\/Czech Republic\n- Denmark\n- Estonia\n- Finland\n- France\n- Germany\n- Greece\n- Hungary\n- Iceland\n- Italy\n- Latvia\n- Liechtenstein\n- Lithuania\n- Luxembourg\n- Malta\n- Netherlands\n- Norway\n- Poland\n- Portugal\n- Romania\n- Slovakia\n- Slovenia\n- Spain\n- Sweden\n- Switzerland\n\nBulgaria and Romania are the newest Schengen region members, joining the agreement in 2025.\n\n**Learn more:** [What Does Travel Insurance Cover?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-does-travel-insurance-cover\/)\n\n## Who Needs Schengen Visa Insurance?\nGenerally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance.\n\nThere are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too.\n\nStarting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries.\n\n**Learn more:** [What to Know About ETIAS Requirements](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-etias\/)\n\n## Schengen Visa Insurance Requirements\nHaving medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa.\n\nSpecifically, you must have insurance that covers:\n\n- **The entire Schengen region:** The coverage must include all 29 countries in the Schengen agreement.\n- **The full duration of your stay:** Your coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days.\n- **At least 30,000 euros in medical expenses:** This must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required.\n\nOften, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or [travel insurance policy](https:\/\/www.experian.com\/blogs\/ask-experian\/should-you-buy-travel-insurance\/) may suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa.\n\n> Tip: Even if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country.\n\n## How Much Does Schengen Visa Insurance Cost?\nThe cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost.\n\nCosts for a Schengen visa insurance policy vary from about \\$14 for a week of coverage to \\$314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies.\n\n**Learn more:** [Average Cost of Travel Insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/average-cost-of-travel-insurance\/)\n\n## How to Get Schengen Visa Insurance\nYou can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage.\n\nWhen applying, you will need the following information:\n\n- Your travel dates\n- The country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip)\n- Your age or birth date\n- Your country and state of residence\n- Trip cost\n\nRemember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24\/7 traveler assistance are all types of coverage you might explore as well.\n\n## The Bottom Line\nBefore you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching.\n\n## What’s on your credit report?\nStay up to date with your latest credit information—and get your FICO® Score for free.\n\n[Get your free report](https:\/\/usa.experian.com\/registration\/mobile-match\/get-started?br=exp&offer=at_frsas119&cname=FREE_102&dAuth=true&op=FRSP-ASK-ART-119-BNN-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX)\n\nNo credit card required\n\n![Promo icon.](https:\/\/www.experian.com\/static\/shared\/icons\/icon-score.svg)\n\n## About the author\n![Aly J. Yale](https:\/\/www.experian.com\/static\/blog\/profiles-byline\/aly-yale.webp)\n\nAly J. Yale\n\nAly J. Yale is a writer and editor based in Houston. Over the past 15 years, she has covered personal finance, mortgages, real estate, investing, insurance, credit cards and lending, among other financial topics.\n\n[Read more from Aly J.](https:\/\/www.experian.com\/blogs\/ask-experian\/author\/aly-yale\/)\n## Share article\n\nCheck your credit report for free\n\n[Get started](https:\/\/usa.experian.com\/registration\/mobile-match\/get-started?br=exp&offer=at_frsas119&cname=FREE_102&dAuth=true&op=FRSP-ASK-ART-119-SLD-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX)\n\n[![Experian logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-experian.svg)](https:\/\/www.experian.com\/)\n\nExperian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. With innovative tools and expert guidance, we’re here to help you manage your credit, protect your identity, and save on loans, credit cards, and more. Our goal is simple: to help bring Financial Power to All™.\n\nSupport\n\nSupport\n\n- [Security freeze](https:\/\/www.experian.com\/help\/credit-freeze\/)\n- [Fraud alert](https:\/\/www.experian.com\/help\/fraud-alert\/)\n- [Disputes](https:\/\/www.experian.com\/help\/dispute-credit\/)\n- [Denied credit](https:\/\/www.experian.com\/help\/report-access\/)\n- [Identity theft victim assistance](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/victim-assistance\/)\n- [Active duty military](https:\/\/www.experian.com\/help\/military\/)\n- [Opt out of prescreen offers](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/faqs\/preapproved-credit-offers\/opt-out\/)\n- [Upload a document to Experian](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/faqs\/experian-document-upload-service\/)\n\nEducation & advice\n\nEducation & advice\n\n- [Credit report & scores](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/credit-advice\/)\n- [Fraud & identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/fraud-and-identity-theft\/)\n- [Banking](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/banking\/)\n- [Credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/credit-cards\/)\n- [Loans](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/loans\/)\n- [Insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/insurance\/)\n- [Mortgage](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/mortgage\/)\n- [Investing](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/investing\/)\n- [Personal finance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/)\n- [News & research](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/news-trends\/research\/)\n\nCredit resources\n\nCredit resources\n\n- [Free credit monitoring](https:\/\/www.experian.com\/credit\/credit-monitoring\/)\n- [3-bureau reports & FICO® Scores](https:\/\/www.experian.com\/credit\/experian-equifax-transunion-credit-report-and-score\/)\n- [Check credit](https:\/\/www.experian.com\/credit\/credit-score\/)\n- [Improve credit](https:\/\/www.experian.com\/credit\/score-boost\/)\n- [Establish credit](https:\/\/www.experian.com\/credit\/experian-go\/)\n- [Experian CreditLock](https:\/\/www.experian.com\/protection\/creditlock\/)\n- [Annual credit report](https:\/\/www.experian.com\/help\/annual-credit-report\/)\n\n![Experian app.](https:\/\/www.experian.com\/static\/shared\/icons\/icon-experian-app.svg)\n\nDownload the free Experian app[Carry trusted financial tools with you](https:\/\/www.experian.com\/credit\/experian-app\/)\n\n[![Download from the Apple App Store.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mN89OT5fwAJCwOuncSt5QAAAABJRU5ErkJggg==)](https:\/\/control.kochava.com\/v1\/cpi\/click?campaign_id=koecw-ios-live-u89f5gu6fdd1d73f6e2c&network_id=8710&site_id=2&device_id=device_id&op=XXXX-ASK-ART-XXX-IBF-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX)[![Get it on Google Play.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mN89OT5fwAJCwOuncSt5QAAAABJRU5ErkJggg==)](https:\/\/control.kochava.com\/v1\/cpi\/click?campaign_id=koecw-android-live-cwezmddp30f96b9db49bb9&network_id=8710&site_id=2&device_id=device_id&op=XXXX-ASK-ART-XXX-ABF-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX)\n\n![Experian's Diversity logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-experian-dei.svg)\n\nExperian’s Inclusion and Belonging[Learn more how Experian is committed](https:\/\/www.experian.com\/diversity\/)\n\n![Data privacy logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-data-privacy.svg)\n\nData privacy[Your privacy choices](https:\/\/consumerprivacy.experian.com\/)\n\n- [Legal terms & conditions](https:\/\/www.experian.com\/corporate\/legalterms)\n- [Privacy center](https:\/\/www.experian.com\/privacy\/index)\n- [U.S. data privacy policy](https:\/\/www.experian.com\/privacy\/us-consumer-data-privacy-policy)\n- [Press](https:\/\/www.experianplc.com\/media\/news)\n- [Ad choices](https:\/\/www.experian.com\/privacy\/opt-out-targeted-advertising)\n- [Careers](https:\/\/www.experian.com\/careers\/)\n- [Investor relations](https:\/\/www.experianplc.com\/)\n- [Contact us](https:\/\/www.experian.com\/help\/contact\/)\n\nTo view important disclosures about the Experian Smart Money™ Digital Checking Account and Digital Savings Account, visit [experian.com\/legal](https:\/\/www.experian.com\/legal).\n\nThe Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.\n\nΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. [Learn more](https:\/\/www.experian.com\/help\/fico-score-disclosure\/).\n\n**Editorial Policy:** The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.\n\nOpinions expressed here are author’s alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities, unless sponsorship is explicitly indicated. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.\n\nOffer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.\n\nAdvertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.\n\n\\*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.\n\n© 2026 Experian. All rights reserved.\n\nExperian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.\n\n[Marketplace Licenses and Disclosures](https:\/\/www.experian.com\/help\/cm-licenses-and-disclosures\/)[Insurance State Licenses](https:\/\/www.experian.com\/help\/insurance-licenses-disclosure\/)[Insurance Carrier Partner Details](https:\/\/www.experian.com\/help\/insurance-carrier-partner-details\/)","attrs_readable_markdown":"If you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa.\n\n## What Is Schengen Visa Insurance?\nA Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is [proof of medical insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-travel-medical-insurance\/), which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area.\n\nSchengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays.\n\n### What Countries Are Included in the Schengen Area?\nThere are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union.\n\nThe current list of Schengen countries includes:\n\n- Austria\n- Belgium\n- Bulgaria\n- Croatia\n- Czechia\/Czech Republic\n- Denmark\n- Estonia\n- Finland\n- France\n- Germany\n- Greece\n- Hungary\n- Iceland\n- Italy\n- Latvia\n- Liechtenstein\n- Lithuania\n- Luxembourg\n- Malta\n- Netherlands\n- Norway\n- Poland\n- Portugal\n- Romania\n- Slovakia\n- Slovenia\n- Spain\n- Sweden\n- Switzerland\n\nBulgaria and Romania are the newest Schengen region members, joining the agreement in 2025.\n\n**Learn more:** [What Does Travel Insurance Cover?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-does-travel-insurance-cover\/)\n\n## Who Needs Schengen Visa Insurance?\nGenerally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance.\n\nThere are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too.\n\nStarting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries.\n\n**Learn more:** [What to Know About ETIAS Requirements](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-etias\/)\n\n## Schengen Visa Insurance Requirements\nHaving medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa.\n\nSpecifically, you must have insurance that covers:\n\n- **The entire Schengen region:** The coverage must include all 29 countries in the Schengen agreement.\n- **The full duration of your stay:** Your coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days.\n- **At least 30,000 euros in medical expenses:** This must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required.\n\nOften, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or [travel insurance policy](https:\/\/www.experian.com\/blogs\/ask-experian\/should-you-buy-travel-insurance\/) may suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa.\n\n> Tip: Even if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country.\n\n## How Much Does Schengen Visa Insurance Cost?\nThe cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost.\n\nCosts for a Schengen visa insurance policy vary from about \\$14 for a week of coverage to \\$314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies.\n\n**Learn more:** [Average Cost of Travel Insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/average-cost-of-travel-insurance\/)\n\n## How to Get Schengen Visa Insurance\nYou can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage.\n\nWhen applying, you will need the following information:\n\n- Your travel dates\n- The country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip)\n- Your age or birth date\n- Your country and state of residence\n- Trip cost\n\nRemember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24\/7 traveler assistance are all types of coverage you might explore as well.\n\n## The Bottom Line\nBefore you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching.","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

4 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.1 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.experian.com/blogs/ask-experian/who-needs-schengen-visa-insurance/
Last Crawled	2026-04-11 00:55:51 (4 days ago)
First Indexed	2025-10-26 15:04:41 (5 months ago)
HTTP Status Code	200
Meta Title	Who Needs Schengen Visa Insurance?
Meta Description	Learn who needs Schengen visa insurance, what countries are included in the Schengen area and how to get Schengen visa insurance.
Meta Canonical	null
Boilerpipe Text	If you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa. What Is Schengen Visa Insurance? A Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is proof of medical insurance , which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area. Schengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays. What Countries Are Included in the Schengen Area? There are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union. The current list of Schengen countries includes: Austria Belgium Bulgaria Croatia Czechia/Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland Bulgaria and Romania are the newest Schengen region members, joining the agreement in 2025. Learn more: What Does Travel Insurance Cover? Who Needs Schengen Visa Insurance? Generally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance. There are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too. Starting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries. Learn more: What to Know About ETIAS Requirements Schengen Visa Insurance Requirements Having medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa. Specifically, you must have insurance that covers: The entire Schengen region: The coverage must include all 29 countries in the Schengen agreement. The full duration of your stay: Your coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days. At least 30,000 euros in medical expenses: This must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required. Often, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or travel insurance policy may suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa. Tip: Even if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country. How Much Does Schengen Visa Insurance Cost? The cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost. Costs for a Schengen visa insurance policy vary from about $14 for a week of coverage to $314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies. Learn more: Average Cost of Travel Insurance How to Get Schengen Visa Insurance You can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage. When applying, you will need the following information: Your travel dates The country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip) Your age or birth date Your country and state of residence Trip cost Remember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24/7 traveler assistance are all types of coverage you might explore as well. The Bottom Line Before you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching.
Markdown	You are using an unsupported browser. Our site may still be usable, but full functionality cannot be guaranteed. [Skip to main content](https://www.experian.com/blogs/ask-experian/who-needs-schengen-visa-insurance/#main) [![Experian logo.](https://www.experian.com/static/shared/logos/logo-experian.svg)](https://www.experian.com/) [Sign in](https://www.experian.com/help/login/) [![Experian logo.](https://www.experian.com/static/shared/logos/logo-experian.svg)](https://www.experian.com/) - Credit Credit - [Free credit report](https://www.experian.com/credit/credit-report/) See your latest credit information - [Free credit score](https://www.experian.com/credit/credit-score/) Get to know your FICO® Score - [Experian Boost®](https://www.experian.com/credit/score-boost/) Raise your credit scores instantly - [Experian Go™](https://www.experian.com/credit/experian-go/) Establish and build your credit ###### Credit support - [Security freeze](https://www.experian.com/help/credit-freeze/) - [Disputes](https://www.experian.com/help/dispute-credit/) - [Fraud alert](https://www.experian.com/help/fraud-alert/) - [Contact us](https://www.experian.com/help/contact/) ###### Credit advice Most popular - [What is a good credit score?](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/) - [Credit score ranges](https://www.experian.com/blogs/ask-experian/infographic-what-are-the-different-scoring-ranges/) - [Average credit score in the U.S.](https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/) - [Improving your credit](https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/improve-credit-score/) - [How to build credit](https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/building-credit/) - [What is a credit bureau?](https://www.experian.com/blogs/ask-experian/what-is-a-credit-bureau/) - [Freeze your credit at all 3 credit bureaus](https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/) - [How credit utilization impacts credit](https://www.experian.com/blogs/ask-experian/how-long-will-high-credit-utilization-hurt-credit-score/) Credit reports - [How to remove credit inquiries](https://www.experian.com/blogs/ask-experian/how-to-remove-hard-inquiries-from-credit-report/) - [Collections on your credit report](https://www.experian.com/blogs/ask-experian/credit-education/report-basics/how-and-when-collections-are-removed-from-a-credit-report/) - [What is a charge-off?](https://www.experian.com/blogs/ask-experian/what-is-a-charge-off/) - [How bankruptcy works](https://www.experian.com/blogs/ask-experian/credit-education/bankruptcy-how-it-works-types-and-consequences/) - [Get credit reports from all 3 credit bureaus](https://www.experian.com/blogs/ask-experian/credit-education/report-basics/my-credit-report/) - [Check your credit report and file disputes](https://www.experian.com/blogs/ask-experian/how-to-check-credit-report-and-file-disputes/) - [How to remove a paid collection](https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/) Credit scores - [Impact of paying off a credit card](https://www.experian.com/blogs/ask-experian/how-long-after-paying-off-a-credit-card-will-my-credit-score-go-up/) - [Reasons to have a good credit score](https://www.experian.com/blogs/ask-experian/why-would-you-want-a-good-credit-score/) - [Does checking credit score lower it?](https://www.experian.com/blogs/ask-experian/does-checking-your-credit-score-lower-it/) - [What is a perfect credit score?](https://www.experian.com/blogs/ask-experian/perfect-scores-who-has-them-and-what-do-they-have-in-common/) - [Different types of credit scores](https://www.experian.com/blogs/ask-experian/what-is-the-difference-between-fico-score-and-credit-score/) - [What factors affect your credit score?](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/) - [How the FICO® Score Simulator works](https://www.experian.com/blogs/ask-experian/how-does-credit-score-simulator-work/) - [Why did your credit score drop?](https://www.experian.com/blogs/ask-experian/why-did-my-credit-score-drop/) Improving credit - [Reasons your credit score isn’t increasing](https://www.experian.com/blogs/ask-experian/reasons-your-credit-score-isnt-increasing/) - [Will credit improve after debt payoff?](https://www.experian.com/blogs/ask-experian/how-long-after-you-pay-off-debt-does-your-credit-improve/) - [Does a mortgage hurt your credit score?](https://www.experian.com/blogs/ask-experian/does-mortgage-hurt-credit-score/) - [How to build credit with credit cards](https://www.experian.com/blogs/ask-experian/how-to-use-a-credit-card-to-build-credit/) - [How to repair your credit](https://www.experian.com/blogs/ask-experian/how-to-repair-credit/) - [What is Experian Boost?](https://www.experian.com/blogs/ask-experian/what-is-experian-boost/) - [How utility bills can boost your credit](https://www.experian.com/blogs/ask-experian/does-paying-utility-bills-help-your-credit-score/) - [How often a credit report is updated](https://www.experian.com/blogs/ask-experian/credit-information-is-updated-continuously/) Establishing credit - [How to build credit with no credit history](https://www.experian.com/blogs/ask-experian/how-to-build-credit-with-no-credit-history/) - [How to establish credit](https://www.experian.com/blogs/ask-experian/how-to-establish-credit-as-a-young-person/) - [How to get first-time credit](https://www.experian.com/blogs/ask-experian/how-can-i-get-credit-for-the-first-time/) - [How to get credit with no credit history](https://www.experian.com/blogs/ask-experian/how-to-get-a-credit-card-if-you-dont-have-a-credit-history/) - [Credit mistakes to avoid](https://www.experian.com/blogs/ask-experian/common-credit-mistakes-to-avoid/) - [How long does it take to build credit?](https://www.experian.com/blogs/ask-experian/how-long-does-it-take-to-build-credit/) - [How credit history affects your credit](https://www.experian.com/blogs/ask-experian/length-of-credit-history-affect-credit-scores/) - [Credit cards for no credit](https://www.experian.com/blogs/ask-experian/what-is-the-easiest-credit-card-to-get-with-no-credit/) - Protection Protection - [Identity theft and fraud](https://www.experian.com/protection/identity-theft-and-credit-protection/) ID monitoring, alerts and protection - [Free dark web scan](https://www.experian.com/protection/free-dark-web-email-scan/) Scan for your SSN, phone and email - [Free personal privacy scan](https://www.experian.com/protection/personal-privacy-scan/) Find your info on people finder sites ###### Identity Theft support - [Security freeze](https://www.experian.com/help/credit-freeze/) - [Fraud alert](https://www.experian.com/help/fraud-alert/) - [Disputes](https://www.experian.com/help/dispute-credit/) - [Contact us](https://www.experian.com/help/contact/) ###### Identity Theft Advice Most popular - [What is identity theft?](https://www.experian.com/blogs/ask-experian/what-is-identity-theft/) - [Fraud alert and credit freeze differences](https://www.experian.com/blogs/ask-experian/what-is-the-difference-between-a-credit-freeze-and-fraud-alert/) - [Remove fraud from your credit report](https://www.experian.com/blogs/ask-experian/how-to-remove-fraud-information-from-credit-report/) - [Identity theft statistics](https://www.experian.com/blogs/ask-experian/identity-theft-statistics/) - [What are the latest scams?](https://www.experian.com/blogs/ask-experian/the-latest-scams-you-need-to-aware-of/) Identity theft and fraud - [How to check for identity theft](https://www.experian.com/blogs/ask-experian/how-do-you-check-for-identity-theft/) - [What if your Social Security number is stolen?](https://www.experian.com/blogs/ask-experian/3-steps-to-take-if-your-social-security-number-has-been-stolen/) - [How to avoid identity theft](https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/) - [Types of identity theft](https://www.experian.com/blogs/ask-experian/20-types-of-identity-theft-and-fraud/) - [How to protect your identity](https://www.experian.com/blogs/ask-experian/how-to-protect-yourself-from-identity-theft/) - [What is a fraud alert?](https://www.experian.com/blogs/ask-experian/what-is-a-fraud-alert/) - [Do fraud alerts expire?](https://www.experian.com/blogs/ask-experian/do-fraud-alerts-expire/) Cybersecurity - [What is the dark web?](https://www.experian.com/blogs/ask-experian/what-is-the-dark-web/) - [What is dark web monitoring?](https://www.experian.com/blogs/ask-experian/what-is-dark-web-monitoring/) - [What to do about a data breach](https://www.experian.com/blogs/ask-experian/data-breach-five-things-to-do-after-your-information-has-been-stolen/) - [Protect your information from the dark web](https://www.experian.com/blogs/ask-experian/what-to-do-if-information-is-found-on-dark-web/) - [Tips for victims of credit card fraud](https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/credit-card-fraud-what-to-do-if-you-are-a-victim/) - [What is a VPN?](https://www.experian.com/blogs/ask-experian/what-is-a-vpn/) Privacy - [How to protect your info online](https://www.experian.com/blogs/ask-experian/how-do-you-protect-your-personal-information-online/) - [Remove your info from people search sites](https://www.experian.com/blogs/ask-experian/how-to-remove-your-information-from-people-search-sites/) - [How to get off robocall lists](https://www.experian.com/blogs/ask-experian/how-to-remove-your-name-from-robocall-lists/) - [Social media safety tips](https://www.experian.com/blogs/ask-experian/9-ways-to-stay-safe-on-social-media/) - [Identity thieves and your personal info](https://www.experian.com/blogs/ask-experian/what-can-identity-thieves-do-with-your-personal-information-and-how-can-you-protect-yourself/) - [How to keep your SSN safe](https://www.experian.com/blogs/ask-experian/how-to-keep-social-security-number-safe/) - Money Money - [Manage your expenses](https://www.experian.com/money/manage-bills-subscriptions/) Save on your monthly bills and cancel unwanted subscriptions - [Digital savings account](https://www.experian.com/money/experian-digital-savings/) Discover a smarter way to grow your savings - [Digital checking account](https://www.experian.com/money/experian-smart-money/) Check out a digital checking account with no monthly fees ###### Money advice Most popular - [Best high-yield savings accounts](https://www.experian.com/blogs/ask-experian/best-high-yield-savings-accounts/) - [Best CD rates](https://www.experian.com/blogs/ask-experian/best-cd-rates/) - [Best money market accounts](https://www.experian.com/blogs/ask-experian/best-money-market-accounts/) - [Challenges to help you save money](https://www.experian.com/blogs/ask-experian/savings-challenges-to-try-this-year/) - [Can you deposit money at any ATM?](https://www.experian.com/blogs/ask-experian/can-you-deposit-money-at-any-atm/) - [Savings accounts that pay high interest](https://www.experian.com/blogs/ask-experian/which-type-of-savings-account-pays-highest-interest-rate/) - [Opening a high-yield savings account](https://www.experian.com/blogs/ask-experian/how-to-open-high-yield-savings-account/) - [Pros and cons of high-yield savings](https://www.experian.com/blogs/ask-experian/pros-cons-high-yield-savings-account/) Save money on bills - [Tips for spending money wisely](https://www.experian.com/blogs/ask-experian/tips-for-spending-money-wisely/) - [How to make a budget](https://www.experian.com/blogs/ask-experian/how-to-make-a-budget/) - [Ways to reduce expenses](https://www.experian.com/blogs/ask-experian/how-to-reduce-expenses/) - [Ways to plan for unexpected expenses](https://www.experian.com/blogs/ask-experian/how-to-plan-for-unexpected-expenses/) - [What is an emergency fund?](https://www.experian.com/blogs/ask-experian/what-is-an-emergency-fund/) - [Ways to save money](https://www.experian.com/blogs/ask-experian/how-to-save-money/) - [What is a budget?](https://www.experian.com/blogs/ask-experian/what-is-a-budget/) - [Why is budgeting important?](https://www.experian.com/blogs/ask-experian/why-is-budgeting-important/) Digital savings account - [Current average savings interest rates](https://www.experian.com/blogs/ask-experian/average-savings-account-rates/) - [Benefits of having a savings account](https://www.experian.com/blogs/ask-experian/benefits-of-savings-account/) - [Types of savings accounts](https://www.experian.com/blogs/ask-experian/types-of-savings-accounts/) - [Ways to earn more money on your savings](https://www.experian.com/blogs/ask-experian/how-to-earn-extra-money-on-your-savings/) - [Is savings account interest taxable?](https://www.experian.com/blogs/ask-experian/do-you-get-taxed-on-your-savings-account/) - [Average savings by age](https://www.experian.com/blogs/ask-experian/average-savings-by-age/) - [How many savings accounts should I have?](https://www.experian.com/blogs/ask-experian/how-many-savings-accounts-can-you-have/) - [Savings calculator](https://www.experian.com/blogs/ask-experian/savings-calculator/) Digital checking account - [What is Experian Smart Money?](https://www.experian.com/blogs/ask-experian/what-is-experian-smart-money/) - [How do bank account bonuses work?](https://www.experian.com/blogs/ask-experian/how-do-bank-account-bonuses-work/) - [Why was I denied a checking account?](https://www.experian.com/blogs/ask-experian/why-was-i-denied-a-checking-account/) - [What is a high-yield checking account?](https://www.experian.com/blogs/ask-experian/what-is-high-yield-checking-account/) - [Earn cash back with a debit card](https://www.experian.com/blogs/ask-experian/debit-cards-that-offer-cash-back-rewards/) - [Pros and cons of premium checking](https://www.experian.com/blogs/ask-experian/pros-cons-premium-checking-account/) - [Routing number vs. account number](https://www.experian.com/blogs/ask-experian/what-is-the-difference-between-routing-and-account-numbers/) - [Why was my debit card declined?](https://www.experian.com/blogs/ask-experian/why-is-debit-card-declining/) - Credit Cards Credit Cards - [All credit card types](https://www.experian.com/credit-cards/) - [Balance transfer](https://www.experian.com/credit-cards/best-balance-transfer/) - [Cash back](https://www.experian.com/credit-cards/best-cash-back/) - [For bad credit](https://www.experian.com/credit-cards/best-for-bad-credit/) - [Low interest](https://www.experian.com/credit-cards/best-low-interest/) - [Rewards](https://www.experian.com/credit-cards/best-rewards/) - [Secured](https://www.experian.com/credit-cards/best-secured/) ###### Credit Card advice Most popular - [How to pay off credit card debt](https://www.experian.com/blogs/ask-experian/credit-education/how-to-pay-off-credit-card-debt/) - [How many credit cards should I have?](https://www.experian.com/blogs/ask-experian/how-many-credit-cards-should-i-have/) - [How to use credit cards](https://www.experian.com/blogs/ask-experian/how-to-use-a-credit-card/) - [Which credit card should I get?](https://www.experian.com/blogs/ask-experian/what-credit-card-should-i-get/) - [What is an APR?](https://www.experian.com/blogs/ask-experian/what-is-apr/) - [Average credit card debt](https://www.experian.com/blogs/ask-experian/state-of-credit-cards/) - [Credit card payoff calculator](https://www.experian.com/blogs/ask-experian/credit-card-payoff-calculator/) Balance transfer - [How balance transfers work](https://www.experian.com/blogs/ask-experian/what-is-a-balance-transfer-and-how-does-it-work/) - [How long does a balance transfer take?](https://www.experian.com/blogs/ask-experian/how-long-does-a-credit-card-balance-transfer-take/) - [What are balance transfer credit cards?](https://www.experian.com/blogs/ask-experian/credit-education/balance-transfer-credit-cards/) - [What is a balance transfer?](https://www.experian.com/blogs/ask-experian/what-is-a-balance-transfer-and-how-does-it-work/) - [What is a credit utilization rate?](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/) Cash back - [How cash back works](https://www.experian.com/blogs/ask-experian/how-do-cash-back-credit-cards-work/) - [What is a credit card cash advance fee?](https://www.experian.com/blogs/ask-experian/what-is-credit-card-cash-advance-fee/) - [Cash back vs. points](https://www.experian.com/blogs/ask-experian/cash-back-vs-points-which-rewards-credit-card-is-better/) For bad credit - [Applying for a credit card with bad credit](https://www.experian.com/blogs/ask-experian/how-to-apply-for-a-credit-card-with-bad-credit/) - [Balance transfer cards with bad credit](https://www.experian.com/blogs/ask-experian/can-i-get-a-balance-transfer-card-with-bad-credit/) - [Getting a credit card after bankruptcy](https://www.experian.com/blogs/ask-experian/can-i-get-a-credit-card-after-bankruptcy/) - [Easy store cards to get with bad credit](https://www.experian.com/blogs/ask-experian/what-is-the-easiest-store-card-to-get-with-bad-credit/) APR - [What is a good APR?](https://www.experian.com/blogs/ask-experian/what-is-a-good-apr-for-a-credit-card/) - [Lowering your credit card interest rate](https://www.experian.com/blogs/ask-experian/how-to-lower-credit-card-interest-rate/) - [Fed interest rate impact on credit cards](https://www.experian.com/blogs/ask-experian/how-do-fed-rate-cuts-impact-credit-cards/) - [How much available credit is best?](https://www.experian.com/blogs/ask-experian/how-much-available-credit-should-i-have/) - [APR calculator](https://www.experian.com/blogs/ask-experian/apr-calculator/) Rewards - [How to choose a rewards credit card](https://www.experian.com/blogs/ask-experian/how-to-choose-rewards-credit-card/) - [Are rewards credit cards worth it?](https://www.experian.com/blogs/ask-experian/are-rewards-cards-worth-it/) - [What is a rewards credit card?](https://www.experian.com/blogs/ask-experian/what-is-a-rewards-credit-card/) - [Ways to redeem credit card rewards](https://www.experian.com/blogs/ask-experian/best-ways-to-redeem-credit-card-rewards/) - [Credit score needed to get a rewards card](https://www.experian.com/blogs/ask-experian/what-credit-score-do-you-need-to-get-a-rewards-card/) New to credit - [What is a secured credit card?](https://www.experian.com/blogs/ask-experian/what-is-a-secured-credit-card/) - [How to use a secured credit card](https://www.experian.com/blogs/ask-experian/how-to-use-a-secured-credit-card/) - [Secured vs. prepaid credit cards](https://www.experian.com/blogs/ask-experian/secured-card-vs-prepaid-card/) - [How to get a secured credit card](https://www.experian.com/blogs/ask-experian/how-to-get-a-secured-credit-card/) - [Secured credit card with no deposit](https://www.experian.com/blogs/ask-experian/can-you-get-secured-card-with-no-deposit/) - [Can I get an unsecured credit card?](https://www.experian.com/blogs/ask-experian/can-i-get-an-unsecured-credit-card-with-a-500-credit-score/) - Loans Loans - [All loan types](https://www.experian.com/loans/) - [Debt consolidation](https://www.experian.com/loans/debt-consolidation/) - [Personal](https://www.experian.com/loans/personal/) ###### Loan types - [Quick loans](https://www.experian.com/loans/personal/quick-loans/) - [Emergency loans](https://www.experian.com/loans/personal/emergency-loans/) - [Bad credit loans](https://www.experian.com/loans/personal/bad-credit/) - [Unsecured loans](https://www.experian.com/loans/personal/best-unsecured-loans/) - [Small loans](https://www.experian.com/loans/personal/small-loans/) - [\$5,000 loans](https://www.experian.com/loans/personal/5000-loan/) - [Personal loan for car](https://www.experian.com/loans/personal/car-purchase/) ###### Loan advice Most popular - [What is a personal loan?](https://www.experian.com/blogs/ask-experian/what-is-a-personal-loan/) - [Emergency loans with bad credit](https://www.experian.com/blogs/ask-experian/can-i-get-an-emergency-loan-with-bad-credit/) - [What is a secured loan?](https://www.experian.com/blogs/ask-experian/what-is-a-secured-loan/) - [How do personal loans impact credit?](https://www.experian.com/blogs/ask-experian/how-does-a-personal-loan-impact-your-credit/) - [Personal loan calculator](https://www.experian.com/blogs/ask-experian/personal-loan-calculator/) - [APR vs. interest rate](https://www.experian.com/blogs/ask-experian/apr-vs-interest-rate-whats-the-difference/) Debt consolidation - [Personal loans to pay off credit card debt](https://www.experian.com/blogs/ask-experian/should-i-get-a-personal-loan-to-pay-off-my-credit-card/) - [Payday loan consolidation](https://www.experian.com/blogs/ask-experian/what-to-know-about-payday-loan-consolidation/) - [What is debt consolidation?](https://www.experian.com/blogs/ask-experian/what-is-debt-consolidation/) - [How to get a debt consolidation loan](https://www.experian.com/blogs/ask-experian/how-to-get-a-debt-consolidation-loan/) Personal - [Getting a personal loan with no credit check](https://www.experian.com/blogs/ask-experian/how-to-get-a-personal-loan-without-a-credit-check/) - [What to know before applying for a loan](https://www.experian.com/blogs/ask-experian/personal-loans-what-to-know-before-you-apply/) - [What is a credit-builder loan?](https://www.experian.com/blogs/ask-experian/what-is-a-credit-builder-loan/) - [Average personal loan debt](https://www.experian.com/blogs/ask-experian/research/personal-loan-study/) - [Getting a personal loan with a cosigner](https://www.experian.com/blogs/ask-experian/can-you-get-a-personal-loan-with-a-cosigner/) - Insurance Insurance - [Auto insurance](https://www.experian.com/insurance/car-insurance-quotes/) Compare, switch and save ###### Auto Insurance Advice Most popular - [Average cost of car insurance](https://www.experian.com/blogs/ask-experian/average-cost-car-insurance/) - [Cheapest states for car insurance](https://www.experian.com/blogs/ask-experian/cheapest-car-insurance/) - [Bundling home and auto insurance](https://www.experian.com/blogs/ask-experian/should-you-bundle-your-home-and-auto-insurance/) - [Top car insurance discounts](https://www.experian.com/blogs/ask-experian/top-car-insurance-discounts/) - [How to save on car insurance](https://www.experian.com/blogs/ask-experian/how-to-save-on-auto-insurance/) - [Factors that impact car insurance rates](https://www.experian.com/blogs/ask-experian/factors-that-determine-your-car-insurance-rates/) - [How accidents affect insurance](https://www.experian.com/blogs/ask-experian/how-long-does-an-accident-stay-on-your-insurance/) - [Liability vs. full coverage car insurance](https://www.experian.com/blogs/ask-experian/liability-vs-full-coverage-car-insurance/) [Sign in](https://www.experian.com/help/login/) - [Consumer](https://www.experian.com/) - [Small Business](https://www.experian.com/small-business/) - [Business](https://www.experian.com/business/) - [Consumer Support](https://www.experian.com/help/) - [Financial Guidance](https://www.experian.com/blogs/ask-experian/) - [Global Sites](https://www.experianplc.com/contact-us/region/) Advertiser Disclosure - / - [Insurance](https://www.experian.com/blogs/ask-experian/category/insurance/) / - [Travel Insurance](https://www.experian.com/blogs/ask-experian/category/insurance/travel-insurance/) # Who Needs Schengen Visa Insurance? ![Aly J. Yale profile image](https://www.experian.com/static/blog/profiles-byline/aly-yale.webp)By [Aly J. Yale](https://www.experian.com/blogs/ask-experian/author/aly-yale/) ![Michelle Tipsword profile image](https://www.experian.com/static/blog/profiles-byline/michelle-tipsword.webp)Edited by [Michelle Tipsword](https://www.experian.com/blogs/ask-experian/author/michelle-tipsword/) 3 min readOct 26, 2025 In this article - What Is Schengen Visa Insurance? - Who Needs Schengen Visa Insurance? - Schengen Visa Insurance Requirements - How Much Does Schengen Visa Insurance Cost? - How to Get Schengen Visa Insurance ![Light bulb icon.](https://www.experian.com/static/shared/icons/icon-light-bulb.svg) ## Quick Answer Schengen visa insurance is a type of medical insurance that may be required if you are traveling to one of the 29 Schengen agreement countries. ![Happy young couple sitting on the stairs beside a gondola docked in a canal in Venice, enjoying the sunny day](https://www.experian.com/blogs/ask-experian/wp-content/uploads/who-needs-schengen-visa-insurance.jpg.webp) If you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa. ## What Is Schengen Visa Insurance? A Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is [proof of medical insurance](https://www.experian.com/blogs/ask-experian/what-is-travel-medical-insurance/), which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area. Schengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays. ### What Countries Are Included in the Schengen Area? There are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union. The current list of Schengen countries includes: - Austria - Belgium - Bulgaria - Croatia - Czechia/Czech Republic - Denmark - Estonia - Finland - France - Germany - Greece - Hungary - Iceland - Italy - Latvia - Liechtenstein - Lithuania - Luxembourg - Malta - Netherlands - Norway - Poland - Portugal - Romania - Slovakia - Slovenia - Spain - Sweden - Switzerland Bulgaria and Romania are the newest Schengen region members, joining the agreement in 2025. Learn more: [What Does Travel Insurance Cover?](https://www.experian.com/blogs/ask-experian/what-does-travel-insurance-cover/) ## Who Needs Schengen Visa Insurance? Generally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance. There are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too. Starting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries. Learn more: [What to Know About ETIAS Requirements](https://www.experian.com/blogs/ask-experian/what-is-etias/) ## Schengen Visa Insurance Requirements Having medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa. Specifically, you must have insurance that covers: - The entire Schengen region: The coverage must include all 29 countries in the Schengen agreement. - The full duration of your stay: Your coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days. - At least 30,000 euros in medical expenses: This must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required. Often, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or [travel insurance policy](https://www.experian.com/blogs/ask-experian/should-you-buy-travel-insurance/) may suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa. > Tip: Even if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country. ## How Much Does Schengen Visa Insurance Cost? The cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost. Costs for a Schengen visa insurance policy vary from about \$14 for a week of coverage to \$314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies. Learn more: [Average Cost of Travel Insurance](https://www.experian.com/blogs/ask-experian/average-cost-of-travel-insurance/) ## How to Get Schengen Visa Insurance You can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage. When applying, you will need the following information: - Your travel dates - The country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip) - Your age or birth date - Your country and state of residence - Trip cost Remember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24/7 traveler assistance are all types of coverage you might explore as well. ## The Bottom Line Before you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching. ## What’s on your credit report? Stay up to date with your latest credit information—and get your FICO® Score for free. [Get your free report](https://usa.experian.com/registration/mobile-match/get-started?br=exp&offer=at_frsas119&cname=FREE_102&dAuth=true&op=FRSP-ASK-ART-119-BNN-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX) No credit card required ![Promo icon.](https://www.experian.com/static/shared/icons/icon-score.svg) ## About the author ![Aly J. Yale](https://www.experian.com/static/blog/profiles-byline/aly-yale.webp) Aly J. Yale Aly J. Yale is a writer and editor based in Houston. Over the past 15 years, she has covered personal finance, mortgages, real estate, investing, insurance, credit cards and lending, among other financial topics. [Read more from Aly J.](https://www.experian.com/blogs/ask-experian/author/aly-yale/) ## Share article Check your credit report for free [Get started](https://usa.experian.com/registration/mobile-match/get-started?br=exp&offer=at_frsas119&cname=FREE_102&dAuth=true&op=FRSP-ASK-ART-119-SLD-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX) [![Experian logo.](https://www.experian.com/static/shared/logos/logo-experian.svg)](https://www.experian.com/) Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. With innovative tools and expert guidance, we’re here to help you manage your credit, protect your identity, and save on loans, credit cards, and more. Our goal is simple: to help bring Financial Power to All™. Support Support - [Security freeze](https://www.experian.com/help/credit-freeze/) - [Fraud alert](https://www.experian.com/help/fraud-alert/) - [Disputes](https://www.experian.com/help/dispute-credit/) - [Denied credit](https://www.experian.com/help/report-access/) - [Identity theft victim assistance](https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/victim-assistance/) - [Active duty military](https://www.experian.com/help/military/) - [Opt out of prescreen offers](https://www.experian.com/blogs/ask-experian/credit-education/faqs/preapproved-credit-offers/opt-out/) - [Upload a document to Experian](https://www.experian.com/blogs/ask-experian/credit-education/faqs/experian-document-upload-service/) Education & advice Education & advice - [Credit report & scores](https://www.experian.com/blogs/ask-experian/category/credit-advice/) - [Fraud & identity theft](https://www.experian.com/blogs/ask-experian/category/fraud-and-identity-theft/) - [Banking](https://www.experian.com/blogs/ask-experian/category/banking/) - [Credit cards](https://www.experian.com/blogs/ask-experian/category/credit-cards/) - [Loans](https://www.experian.com/blogs/ask-experian/category/loans/) - [Insurance](https://www.experian.com/blogs/ask-experian/category/insurance/) - [Mortgage](https://www.experian.com/blogs/ask-experian/category/personal-finance/mortgage/) - [Investing](https://www.experian.com/blogs/ask-experian/category/personal-finance/investing/) - [Personal finance](https://www.experian.com/blogs/ask-experian/category/personal-finance/) - [News & research](https://www.experian.com/blogs/ask-experian/category/news-trends/research/) Credit resources Credit resources - [Free credit monitoring](https://www.experian.com/credit/credit-monitoring/) - [3-bureau reports & FICO® Scores](https://www.experian.com/credit/experian-equifax-transunion-credit-report-and-score/) - [Check credit](https://www.experian.com/credit/credit-score/) - [Improve credit](https://www.experian.com/credit/score-boost/) - [Establish credit](https://www.experian.com/credit/experian-go/) - [Experian CreditLock](https://www.experian.com/protection/creditlock/) - [Annual credit report](https://www.experian.com/help/annual-credit-report/) ![Experian app.](https://www.experian.com/static/shared/icons/icon-experian-app.svg) Download the free Experian app[Carry trusted financial tools with you](https://www.experian.com/credit/experian-app/) [![Download from the Apple App Store.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mN89OT5fwAJCwOuncSt5QAAAABJRU5ErkJggg==)](https://control.kochava.com/v1/cpi/click?campaign_id=koecw-ios-live-u89f5gu6fdd1d73f6e2c&network_id=8710&site_id=2&device_id=device_id&op=XXXX-ASK-ART-XXX-IBF-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX)[![Get it on Google Play.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mN89OT5fwAJCwOuncSt5QAAAABJRU5ErkJggg==)](https://control.kochava.com/v1/cpi/click?campaign_id=koecw-android-live-cwezmddp30f96b9db49bb9&network_id=8710&site_id=2&device_id=device_id&op=XXXX-ASK-ART-XXX-ABF-XXXXXXX-XX-EXP-VOTH-UNK-16451X-79072X-XXXXX) ![Experian's Diversity logo.](https://www.experian.com/static/shared/logos/logo-experian-dei.svg) Experian’s Inclusion and Belonging[Learn more how Experian is committed](https://www.experian.com/diversity/) ![Data privacy logo.](https://www.experian.com/static/shared/logos/logo-data-privacy.svg) Data privacy[Your privacy choices](https://consumerprivacy.experian.com/) - [Legal terms & conditions](https://www.experian.com/corporate/legalterms) - [Privacy center](https://www.experian.com/privacy/index) - [U.S. data privacy policy](https://www.experian.com/privacy/us-consumer-data-privacy-policy) - [Press](https://www.experianplc.com/media/news) - [Ad choices](https://www.experian.com/privacy/opt-out-targeted-advertising) - [Careers](https://www.experian.com/careers/) - [Investor relations](https://www.experianplc.com/) - [Contact us](https://www.experian.com/help/contact/) To view important disclosures about the Experian Smart Money™ Digital Checking Account and Digital Savings Account, visit [experian.com/legal](https://www.experian.com/legal). The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank. ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. [Learn more](https://www.experian.com/help/fico-score-disclosure/). Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. Opinions expressed here are author’s alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities, unless sponsorship is explicitly indicated. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products. \*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. © 2026 Experian. All rights reserved. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. [Marketplace Licenses and Disclosures](https://www.experian.com/help/cm-licenses-and-disclosures/)[Insurance State Licenses](https://www.experian.com/help/insurance-licenses-disclosure/)[Insurance Carrier Partner Details](https://www.experian.com/help/insurance-carrier-partner-details/)
Readable Markdown	If you're traveling to one of the 29 Schengen agreement countries, you may need a Schengen visa, as well as Schengen visa insurance. This type of travel medical insurance can provide you with coverage for injuries, sickness, medical evacuation and more during your stay and is required before you can be approved for a Schengen visa. ## What Is Schengen Visa Insurance? A Schengen visa is a permit that allows travelers from outside the European Union to freely enter the Schengen agreement countries for up to 90 days. One of the requirements of a Schengen visa is [proof of medical insurance](https://www.experian.com/blogs/ask-experian/what-is-travel-medical-insurance/), which covers you in case you need medical care, hospitalization or to be repatriated back to your home country while traveling in the area. Schengen visa insurance provides this coverage and, often, will include other travel coverage, like lost baggage, trip interruptions and travel delays. ### What Countries Are Included in the Schengen Area? There are 29 countries that are part of the Schengen Borders Agreement, which allows for free movement between member countries without internal border checks or additional paperwork. Only four of the Schengen countries are located outside the European Union. The current list of Schengen countries includes: - Austria - Belgium - Bulgaria - Croatia - Czechia/Czech Republic - Denmark - Estonia - Finland - France - Germany - Greece - Hungary - Iceland - Italy - Latvia - Liechtenstein - Lithuania - Luxembourg - Malta - Netherlands - Norway - Poland - Portugal - Romania - Slovakia - Slovenia - Spain - Sweden - Switzerland Bulgaria and Romania are the newest Schengen region members, joining the agreement in 2025. Learn more: [What Does Travel Insurance Cover?](https://www.experian.com/blogs/ask-experian/what-does-travel-insurance-cover/) ## Who Needs Schengen Visa Insurance? Generally speaking, if you're a non-European Union national and plan to visit a Schengen agreement country for up to 90 days in a 180-day period, you will need a Schengen visa—and the appropriate required medical insurance. There are some exceptions, though. Citizens of the United States, for example, are exempt from Schengen visa requirements, as are those from Japan, Brazil, Australia, South Korea and Canada, among others. Some diplomats, refugees, students and members of the armed forces may be exempt, too. Starting in late 2026, U.S. citizens and others traveling from exempt areas will need to apply through the European Travel Information and Authorization System (ETIAS) before they can travel to many European countries. Learn more: [What to Know About ETIAS Requirements](https://www.experian.com/blogs/ask-experian/what-is-etias/) ## Schengen Visa Insurance Requirements Having medical insurance is one of several requirements you must meet before you can be approved for a Schengen visa. Specifically, you must have insurance that covers: - The entire Schengen region: The coverage must include all 29 countries in the Schengen agreement. - The full duration of your stay: Your coverage must last from the arrival to departure dates of your visit. Remember that Schengen visas are only for stays of up to 90 days. - At least 30,000 euros in medical expenses: This must include costs incurred for hospitalization, emergency medical care, prescriptions or repatriation back to your home country if required. Often, you will need to get an additional Schengen visa insurance policy to procure this coverage. In some cases, your existing medical insurance policy or [travel insurance policy](https://www.experian.com/blogs/ask-experian/should-you-buy-travel-insurance/) may suffice, but you'll need to check to verify. If it does, you'll need to provide a proof of coverage document from your insurance company when applying for your visa. > Tip: Even if you aren't required to have a Schengen visa and the insurance it demands, you may still want insurance coverage just to be safe. In fact, the U.S. State Department recommends that travelers buy short-term health insurance before leaving the country. ## How Much Does Schengen Visa Insurance Cost? The cost of Schengen visa insurance depends on what coverage you choose, the insurance provider you purchase your policy through and how much coverage you need. Your age can also be a factor. Generally speaking, travel insurance costs between 4% to 8% of a trip's total cost. Costs for a Schengen visa insurance policy vary from about \$14 for a week of coverage to \$314 for an annual coverage plan. To get the best deal on Schengen visa insurance, shop around and apply for quotes with several travel insurance companies. Learn more: [Average Cost of Travel Insurance](https://www.experian.com/blogs/ask-experian/average-cost-of-travel-insurance/) ## How to Get Schengen Visa Insurance You can apply for and secure Schengen visa insurance online through one of the many travel insurance companies that offer this type of coverage. When applying, you will need the following information: - Your travel dates - The country you'll be traveling to (or the country where you'll spend the most time, if you're planning a multi-country trip) - Your age or birth date - Your country and state of residence - Trip cost Remember that Schengen visas only require a minimum amount of medical coverage, but you may want to add additional coverage depending on your travel plans. Trip cancellation, lost baggage, travel delays and 24/7 traveler assistance are all types of coverage you might explore as well. ## The Bottom Line Before you travel to a Schengen country, make sure you're clear on any visa and subsequent insurance requirements you may be held to. It can take up to 45 days to get approved for a Schengen visa, so having the proper coverage and documentation ready at application time is critical, particularly if your trip is approaching.
Shard	3 (laksa)
Root Hash	17510677425881133803
Unparsed URL	com,experian!www,/blogs/ask-experian/who-needs-schengen-visa-insurance/ s443