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URLhttps://www.visitorscoverage.com/schengen-visa-insurance/
Last Crawled2026-04-23 07:18:53 (7 hours ago)
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Meta TitleBest Schengen Visa Insurance Plans That Meet Requirements
Meta DescriptionCompare affordable Schengen visa insurance coverage options that fulfill mandatory EU entry rules, offer strong medical limits, & grant instant visa letters.
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What Is Schengen Visa Travel Insurance? Schengen visa travel insurance is a specific type of medical insurance required to obtain a Schengen visa. This type of insurance covers a range of unexpected travel-related expenses while you're in the Schengen Area, including emergency medical expenses, hospitalization, medical evacuation, repatriation of remains, and often other benefits like emergency dental, lost baggage, and travel interruption. It's designed to protect you and ensure that Schengen healthcare systems are not financially burdened by visiting travelers. Is Travel Insurance Required for a Schengen Visa? Yes. If you're visiting from a non-visa-exempt country for tourism, business, or family reasons for up to 90 days in a 180-day period, Schengen visa insurance is mandatory. Who Is Required to Get a Schengen Visa and Schengen Travel Insurance? Whether travel insurance is required depends on your nationality. Visa-Required Travelers If you are traveling to a Schengen country and your nationality requires a Schengen visa, then travel insurance is mandatory. You'll need to submit proof of adequate insurance along with your visa application. Without it, your application is likely to be denied. Check the official Schengen page for more information on which nationalities are required to get a visa . Even if you're not stepping off the plane or airport, such as having a layover in a Schengen country, you may still be required to show proof of compliant travel insurance. U.S. Citizens and Other Visa-Exempt Travelers U.S. citizens and other travelers from visa-exempt countries do not need a Schengen visa for short stays (up to 90 days in a 180-day period). However, starting in late 2026, U.S. travelers will be required to obtain ETIAS (European Travel Information and Authorization System) approval prior to their trip. ETIAS is not a visa, but it is a mandatory travel authorization designed to enhance border security and pre-screen travelers. While it doesn't require travel insurance, it's strongly advised to carry medical coverage while abroad. To learn more, read our guide: Everything You Need to Know About ETIAS For visa-exempt travelers to Schengen countries, travel insurance for a trip to Europe might not be legally required, but it's still a wise precaution to prevent having to pay out of pocket if something goes wrong. What Are the Schengen Visa Travel Insurance Requirements? Your Schengen visa travel insurance must have coverage for the following requirements: Be valid in all 29 Schengen countries Offer coverage for the entire period of the traveler's stay or transit in the Schengen area (up to 90 days within a 180-day period) Have a minimum coverage amount of €30,000 Have a $0 deductible Emergency medical evacuation Urgent medical attention Return of mortal remains Emergency hospital treatment While visa-exempt travelers can only choose a travel medical insurance plan, U.S. residents may choose between travel medical insurance or trip insurance, whichever is better for their specific needs. Travelers should also consider acute-onset of pre-existing condition coverage . Although it is not required, it should be considered for older travelers with a medical history. Choosing a Schengen insurance policy that meets these requirements and provides adequate coverage for your specific travel needs is important. How to Get the Best Schengen Visa Compliant Plan When you buy travel insurance through VisitorsCoverage, there's no need to stress about whether your plan meets Schengen visa requirements. As soon as you indicate that you're heading to a Schengen country, you'll be matched with policies that are fully compliant with the visa's insurance guidelines. Immediately after purchase, you'll receive a Confirmation of Coverage Visa Letter from your selected insurance provider. This official document confirms that your plan meets all the necessary criteria—including coverage limits and eligible benefits—and should be included with your visa application. Border control officials may also ask to see this letter when you arrive in Europe. Watch Out for Fake Visa Letters Unfortunately, fraudulent Confirmation of Coverage Letters do exist. These are sometimes sold by unauthorized parties and may not be recognized by embassies or border agents. To stay safe, always purchase insurance directly from a trusted source. If you receive a Confirmation of Coverage Visa Letter from a source other than your insurer, it may be fraudulent. When you use a reliable marketplace like VisitorsCoverage, you can rest easy knowing you're only seeing plans from legitimate, globally respected insurers. This not only helps you avoid invalid documents but also ensures your policy will be accepted without issue. Countries Included in the Schengen Area The 29 countries in the Schengen Area that require travel insurance are: Austria Belgium Bulgaria Croatia Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland What Countries Don’t Require a Schengen Visa? Although most of Europe is part of the Schengen Agreement, some countries remain outside of it. These include: Ireland: Uses its own visa and border policies separate from the Schengen Agreement. Cyprus: Though an EU member, it has not yet joined the Schengen Area. United Kingdom: Since Brexit, the UK has its own border control and visa regulations. These countries may not require Schengen visas and, therefore, do not require travel insurance. However, travelers visiting these countries should still check the specific entry requirements, as they may differ significantly from Schengen visa policies and requirements. Types of Schengen Visas Having a Schengen visa can be extremely advantageous for travelers who wish to explore multiple countries in Europe, as it allows for greater flexibility and ease of travel. Schengen visas are categorized based on the purpose and duration of the intended stay. There are three types of Schengen visas: Type A Schengen Visas Type A visas or Airport Transit Visas allow travelers from non-Schengen states to transit through the international zone of an airport in a Schengen country, without entering the country. Type C Schengen Visas The type C visa is issued by the visa services of a country within the Schengen area and allows the holder to stay or travel freely within the Schengen area. To determine if you need a Type C Schengen visa, you can refer to the Schengen visa entry requirements . Depending on the purpose of your trip, the Type C Schengen visa can be one of the following types: Single-entry - Grants single-entry access to the Schengen area. Exiting the area invalidates the visa's remaining validity, regardless of its expiration date. Double-entry - Grants two entries into the Schengen area within the visa's validity period. This allows for departure and re-entry within that timeframe. However, once exiting the area for the second time, the visa expires. Multiple-entry - Allows for varying degrees of flexibility for entering and leaving the Schengen area permitting the holder to enter and leave as many times as they want within a maximum of 90 days over 180 days. Type D Schengen Visas The Type D visa is a long-stay visa required for those wishing to live, study, or work in a Schengen country for more than 90 days. The travel purposes which can justify applying for a category D visa are: Tourism or private visits Professional activities Studying, Taking part in a training program or completing an internship Family reasons The consular authorities of the intended Schengen country issue the national visa or type D visa in accordance with national legislation. Thus, it is essential to contact the country's services to learn about the various conditions and formalities that must be fulfilled. Depending on certain circumstances, it may be granted as a single or multiple-entry long-stay visa. Multiple-entry visas are also available for one, three, or five years. Important: All types of Schengen visas have to adhere to the 90/180 Schengen Visa rule, which limits a traveler's stay to a maximum of 90 days in any 180-day period. Restrictions and Limitations with Schengen Visa Travel Insurance If you've secured a Schengen Visa travel insurance plan , it's important to remember that there may be coverage exclusions in your policy. This means that there are some instances in which your medical expenses will not be eligible for coverage. Common Schengen insurance exclusions include: Injury, illness, or death related to war or terrorism Illnesses related to pre-existing conditions Maternity and newborn care Mental health or nervous disorder treatments Elective surgery or treatment Routine or preventative care Each plan's exclusions will vary, so it's important to review your Schengen visa insurance's coverage details in full to understand any possible restrictions or limitations. Why Purchase Schengen Insurance Through VisitorsCoverage If you require travel insurance for your Schengen visa, it is important to note that not all travel insurance out there will meet the set requirements for a Schengen visa. When you purchase through VisitorsCoverage, you get the following benefits: Handpicked Schengen insurance policies that meet the specific requirements for a Schengen visa An instant downloadable letter to show as proof of insurance in order to get your Schengen visa The purchase process takes only minutes and can be done instantly, all online We offer cheap and affordable plans for every traveler Absolutely no paperwork necessary to complete your purchase Ready to get insured? Check out our Schengen visa travel insurance plans today! See What Customers Have to Say VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great! Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me. Ginny Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!! Brad Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes. Kavitha Helpful articles In order for your Schengen visa application to get approved, you need the right travel medical insurance. Learn more about how to get Schengen insurance. If you're wondering when to buy travel insurance and how to choose the right plan for you, consider these 8 key factors. When you think about travel medical insurance, you probably don't think of these benefits. Confused about travel medical insurance? We've got you covered. Check out our beginner’s guide to travel medical insurance. We’ve got you covered. At VisitorsCoverage, you can easily compare Schengen Visa Insurance plans and buy them online, quickly and without excessive paperwork. Schengen Visa Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind. Why VisitorsCoverage? Related products Trip Cancellation Insurance Trip Insurance International Travel Medical Insurance
Markdown
[![VisitorsCoverage logo](https://assets.visitorscoverage.com/production/app/img/icons/VC-logos-horizontal.svg)](https://www.visitorscoverage.com/) [![Click for 24/7 Support](https://assets.visitorscoverage.com/production/images/luna-24-7-chat-icon.svg)](https://www.visitorscoverage.com/schengen-visa-insurance/) [Sign In](https://www.visitorscoverage.com/customer-portal/login/) Get Quotes [![VisitorsCoverage logo](https://assets.visitorscoverage.com/production/app/img/icons/VC-logos-horizontal.svg)](https://www.visitorscoverage.com/) [Sign In](https://www.visitorscoverage.com/customer-portal/login/) [Get Quotes](https://www.visitorscoverage.com/get-quotes/) - [Insurance Plans](https://www.visitorscoverage.com/schengen-visa-insurance/) [Visitors Insurance](https://www.visitorscoverage.com/visitor-insurance/) Covers medical expenses for short-term visitors to the U.S. [International Travel Insurance](https://www.visitorscoverage.com/international-travel-insurance/) Covers medical expenses during your international trip [Trip Insurance](https://www.visitorscoverage.com/trip-insurance/) Covers expenses related to flight cancellations, trip interruptions & baggage delays [Immigrant/Green card Insurance](https://www.visitorscoverage.com/green-card-insurance/) Short-term medical coverage for New U.S. Immigrants & Green Card Holders [Schengen Visa Travel Insurance](https://www.visitorscoverage.com/schengen-visa-insurance/) Schengen Visa compliant travel medical insurance, Quote and Buy [Pre-Existing Conditions Insurance](https://www.visitorscoverage.com/insurance/pre-existing-conditions-coverage-plans/) Coverage for travelers with medical conditions existing prior to policy effective dates [Browse all products](https://www.visitorscoverage.com/travel-insurance-products/) - [Learn](https://www.visitorscoverage.com/schengen-visa-insurance/) Top Questions - [Acute Onset vs. Pre-Existing Conditions](https://www.visitorscoverage.com/blog/acute-onset-of-pre-existing-condition-vs-pre-existing-condition/) - [Comprehensive vs. Limited Plans](https://www.visitorscoverage.com/visitor-insurance-types/) - [How to Use Visitors Insurance](https://www.visitorscoverage.com/how-travel-insurance-works/) - [Cancel for Any Reason Benefits](https://www.visitorscoverage.com/benefits-of-cancel-for-any-reason-insurance/) [For more answers, Ask an Expert![Ask an Expert](https://assets.visitorscoverage.com/production/images/header-nav-arrow-right.png)](https://www.visitorscoverage.com/answers/) Got questions? Ask Luna\! Our Virtual Travel Insurance Assistant Luna is ready to assist you 24/7 and will have answers to many of your questions. [Blog](https://www.visitorscoverage.com/blog/) Travel trends and safety tips [Knowledge Center](https://www.visitorscoverage.com/knowledge-center/) Helpful resources for understanding travel insurance better [Learn About Claims](https://www.visitorscoverage.com/insurance/claims-assistance/) Everything you need to know about travel insurance claims [Why VisitorsCoverage](https://www.visitorscoverage.com/why-visitorscoverage/) - [Claims Info](https://www.visitorscoverage.com/insurance/claims-info/) - [Contact Us](https://www.visitorscoverage.com/schengen-visa-insurance/) Resources & Support [Extend or Renew Policy](https://www.visitorscoverage.com/visitor-insurance-renewal/) [Policy Correction](https://www.visitorscoverage.com/policy-correction-process/) [Cancel Policy](https://www.visitorscoverage.com/support/cancel-visitor-insurance-policy/) [Request Policy ID Card](https://www.visitorscoverage.com/request-visitors-insurance-policy-id-card/) [Find Doctors & Hospitals](https://www.visitorscoverage.com/visitor-health-insurance-providers/) [Claims Information](https://www.visitorscoverage.com/insurance/claims-process/) [Request a Quote](https://www.visitorscoverage.com/get-quote/) [Contact Support](https://www.visitorscoverage.com/support/) Talk to a Licensed Insurance Specialist: All our agents are fully licensed and located in the United States, giving you advice you can trust with confidence. 7:00AM - 5:00PM PT (Mon-Fri) [\+1 (866) 384-9104](tel:+1%20\(866\)%20384-9104) Current Time in PT Closed Other ways to reach us: [Chat](https://www.visitorscoverage.com/schengen-visa-insurance/)[Email](https://www.visitorscoverage.com/contact-us/)[Schedule Call](https://www.visitorscoverage.com/contact-us/)[WhatsApp](https://wa.me/12062080746?text=Hi%20there) Talk to a Licensed Insurance Specialist: All our agents are fully licensed and located in the United States, giving you advice you can trust with confidence. 7:00AM - 5:00PM PT (Mon-Fri) [\+1 (866) 384-9104](tel:+1%20\(866\)%20384-9104) Current Time in PT Closed Other ways to reach us: [Chat](https://www.visitorscoverage.com/schengen-visa-insurance/)[Email](https://www.visitorscoverage.com/contact-us/)[Schedule Call](https://www.visitorscoverage.com/contact-us/)[WhatsApp](https://wa.me/12062080746?text=Hi%20there) ![Browse Schengen Travel Insurance plans](https://assets.visitorscoverage.com/production/images/product-icon-schengen-visa-insurance.png?width=90) Browse Schengen Visa Insurance Medical coverage for travelers to the 29 European countries that make up the Schengen area. Satisfies Schengen visa requirements. [View Plans](https://www.visitorscoverage.com/schengen-visa-insurance/plans/) ## What Is Schengen Visa Travel Insurance? Schengen visa travel insurance is a specific type of medical insurance required to obtain a Schengen visa. This type of insurance covers a range of unexpected travel-related expenses while you're in the Schengen Area, including emergency medical expenses, hospitalization, medical evacuation, repatriation of remains, and often other benefits like emergency dental, lost baggage, and travel interruption. It's designed to protect you and ensure that Schengen healthcare systems are not financially burdened by visiting travelers. #### Is Travel Insurance Required for a Schengen Visa? Yes. If you're visiting from a non-visa-exempt country for tourism, business, or family reasons for up to 90 days in a 180-day period, Schengen visa insurance is mandatory. ## Who Is Required to Get a Schengen Visa and Schengen Travel Insurance? Whether travel insurance is required depends on your nationality. ### Visa-Required Travelers If you are traveling to a Schengen country and your nationality requires a Schengen visa, then **travel insurance is mandatory.** You'll need to submit proof of adequate insurance along with your visa application. Without it, your application is likely to be denied. Check the official Schengen page for more information on [which nationalities are required to get a visa](https://schengeninsuranceinfo.com/schengen-visa/who-needs/). Even if you're not stepping off the plane or airport, such as having a layover in a Schengen country, you may still be required to show proof of compliant travel insurance. ### U.S. Citizens and Other Visa-Exempt Travelers U.S. citizens and other travelers from visa-exempt countries do not need a Schengen visa for short stays (up to 90 days in a 180-day period). However, starting in late 2026, U.S. travelers will be required to obtain ETIAS (European Travel Information and Authorization System) approval prior to their trip. ETIAS is not a visa, but it is a mandatory travel authorization designed to enhance border security and pre-screen travelers. While it doesn't require travel insurance, it's strongly advised to carry medical coverage while abroad. To learn more, read our guide: [Everything You Need to Know About ETIAS](https://www.visitorscoverage.com/blog/everything-you-need-to-know-about-etias-2/) For visa-exempt travelers to Schengen countries, [travel insurance for a trip to Europe](https://www.visitorscoverage.com/blog/europetravel-plus-review-is-it-the-best-travel-insurance-for-europe-and-schengen-countries/) might not be legally required, but it's still a wise precaution to prevent having to pay out of pocket if something goes wrong. ## What Are the Schengen Visa Travel Insurance Requirements? Your [Schengen visa travel insurance](https://www.visitorscoverage.com/schengen-visa-travel-insurance/) must have coverage for the following requirements: - Be valid in all 29 Schengen countries - Offer coverage for the entire period of the traveler's stay or transit in the Schengen area (up to 90 days within a 180-day period) - Have a minimum coverage amount of €30,000 - Have a \$0 deductible - Emergency medical evacuation - Urgent medical attention - Return of mortal remains - Emergency hospital treatment While visa-exempt travelers can only choose a travel medical insurance plan, U.S. residents may choose between travel medical insurance or trip insurance, whichever is better for their specific needs. Travelers should also consider [acute-onset of pre-existing condition coverage](https://www.visitorscoverage.com/acute-onset-of-pre-existing-conditions-faqs/). Although it is not required, it should be considered for older travelers with a medical history. Choosing a Schengen insurance policy that meets these requirements and provides adequate coverage for your specific travel needs is important. ### How to Get the Best Schengen Visa Compliant Plan When you buy travel insurance through VisitorsCoverage, there's no need to stress about whether your plan meets Schengen visa requirements. As soon as you indicate that you're heading to a Schengen country, you'll be matched with policies that are fully compliant with the visa's insurance guidelines. Immediately after purchase, you'll receive a Confirmation of Coverage Visa Letter from your selected insurance provider. This official document confirms that your plan meets all the necessary criteria—including coverage limits and eligible benefits—and should be included with your visa application. Border control officials may also ask to see this letter when you arrive in Europe. ### Watch Out for Fake Visa Letters Unfortunately, fraudulent Confirmation of Coverage Letters do exist. These are sometimes sold by unauthorized parties and may not be recognized by embassies or border agents. To stay safe, always purchase insurance directly from a trusted source. If you receive a Confirmation of Coverage Visa Letter from a source other than your insurer, it may be fraudulent. When you use a reliable marketplace like VisitorsCoverage, you can rest easy knowing you're only seeing plans from legitimate, globally respected insurers. This not only helps you avoid invalid documents but also ensures your policy will be accepted without issue. ## Countries Included in the Schengen Area The 29 countries in the Schengen Area that require travel insurance are: - [Austria](https://www.visitorscoverage.com/travel-insurance-requirements/austria/) - [Belgium](https://www.visitorscoverage.com/travel-insurance-requirements/belgium/) - [Bulgaria](https://www.visitorscoverage.com/travel-insurance-requirements/belgium/) - [Croatia](https://www.visitorscoverage.com/travel-insurance-requirements/croatia/) - Czech Republic - [Denmark](https://www.visitorscoverage.com/travel-insurance-requirements/denmark/) - Estonia - Finland - [France](https://www.visitorscoverage.com/travel-insurance-requirements/france/) - [Germany](https://www.visitorscoverage.com/travel-insurance-requirements/germany/) - [Greece](https://www.visitorscoverage.com/travel-insurance-requirements/greece/) - Hungary - [Iceland](https://www.visitorscoverage.com/travel-insurance-requirements/iceland/) - [Italy](https://www.visitorscoverage.com/travel-insurance-requirements/italy/) - Latvia - Liechtenstein - Lithuania - Luxembourg - Malta - [Netherlands](https://www.visitorscoverage.com/travel-insurance-requirements/netherlands/) - [Norway](https://www.visitorscoverage.com/travel-insurance-requirements/norway/) - [Poland](https://www.visitorscoverage.com/travel-insurance-requirements/poland/) - [Portugal](https://www.visitorscoverage.com/travel-insurance-requirements/portugal/) - Romania - Slovakia - Slovenia - [Spain](https://www.visitorscoverage.com/travel-insurance-requirements/spain/) - Sweden - [Switzerland](https://www.visitorscoverage.com/travel-insurance-requirements/switzerland/) ## What Countries Don’t Require a Schengen Visa? Although most of Europe is part of the Schengen Agreement, [some countries remain outside](https://home-affairs.ec.europa.eu/policies/schengen-borders-and-visa/schengen-area_en) of it. These include: - **Ireland:** Uses its own visa and border policies separate from the Schengen Agreement. - **Cyprus:** Though an EU member, it has not yet joined the Schengen Area. - **United Kingdom:** Since Brexit, the UK has its own border control and visa regulations. These countries may not require Schengen visas and, therefore, do not require travel insurance. However, travelers visiting these countries should still check the specific entry requirements, as they may differ significantly from Schengen visa policies and requirements. ## Types of Schengen Visas Having a Schengen visa can be extremely advantageous for travelers who wish to explore multiple countries in Europe, as it allows for greater flexibility and ease of travel. Schengen visas are categorized based on the purpose and duration of the intended stay. There are three types of Schengen visas: ### Type A Schengen Visas Type A visas or Airport Transit Visas allow travelers from non-Schengen states to transit through the international zone of an airport in a Schengen country, without entering the country. ### Type C Schengen Visas The type C visa is issued by the visa services of a country within the Schengen area and allows the holder to stay or travel freely within the Schengen area. To determine if you need a Type C Schengen visa, you can refer to the [Schengen visa entry requirements](https://www.visitorscoverage.com/schengen-visa-insurance/plans/). Depending on the purpose of your trip, the Type C Schengen visa can be one of the following types: - Single-entry - Grants single-entry access to the Schengen area. Exiting the area invalidates the visa's remaining validity, regardless of its expiration date. - Double-entry - Grants two entries into the Schengen area within the visa's validity period. This allows for departure and re-entry within that timeframe. However, once exiting the area for the second time, the visa expires. - Multiple-entry - Allows for varying degrees of flexibility for entering and leaving the Schengen area permitting the holder to enter and leave as many times as they want within a maximum of 90 days over 180 days. ### Type D Schengen Visas The Type D visa is a long-stay visa required for those wishing to live, study, or work in a Schengen country for more than 90 days. The travel purposes which can justify applying for a category D visa are: - Tourism or private visits - Professional activities - Studying, Taking part in a training program or completing an internship - Family reasons The consular authorities of the intended Schengen country issue the national visa or type D visa in accordance with national legislation. Thus, it is essential to contact the country's services to learn about the various conditions and formalities that must be fulfilled. Depending on certain circumstances, it may be granted as a single or multiple-entry long-stay visa. Multiple-entry visas are also available for one, three, or five years. **Important:** All types of Schengen visas have to adhere to the 90/180 Schengen Visa rule, which limits a traveler's stay to a maximum of 90 days in any 180-day period. ## Restrictions and Limitations with Schengen Visa Travel Insurance If you've secured a [Schengen Visa travel insurance plan](https://www.visitorscoverage.com/schengen-visa-insurance/plans/), it's important to remember that there may be coverage exclusions in your policy. This means that there are some instances in which your medical expenses will not be eligible for coverage. Common Schengen insurance exclusions include: - Injury, illness, or death related to war or terrorism - Illnesses related to pre-existing conditions - Maternity and newborn care - Mental health or nervous disorder treatments - Elective surgery or treatment - Routine or preventative care Each plan's exclusions will vary, so it's important to review your Schengen visa insurance's coverage details in full to understand any possible restrictions or limitations. ## Why Purchase Schengen Insurance Through VisitorsCoverage If you require travel insurance for your Schengen visa, it is important to note that not all travel insurance out there will meet the set requirements for a Schengen visa. When you purchase through VisitorsCoverage, you get the following benefits: - Handpicked Schengen insurance policies that meet the specific requirements for a Schengen visa - An instant downloadable letter to show as proof of insurance in order to get your Schengen visa - The purchase process takes only minutes and can be done instantly, all online - We offer cheap and affordable plans for every traveler - Absolutely no paperwork necessary to complete your purchase Ready to get insured? Check out our [Schengen visa travel insurance plans](https://www.visitorscoverage.com/schengen-visa-insurance/plans/) today\! #### See What Customers Have to Say VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great\! Jessica Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me. Ginny Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!\! Brad Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes. Kavitha ![](https://assets.visitorscoverage.com/production/images/review-img-1-new.png?width=149) ### Helpful articles [Schengen Visa Travel Insurance: Traveling to the Schengen Area](https://www.visitorscoverage.com/schengen-visa-travel-insurance/) In order for your Schengen visa application to get approved, you need the right travel medical insurance. Learn more about how to get Schengen insurance. [Buying Travel Medical Insurance for the U.S.? Consider These Eight Factors](https://www.visitorscoverage.com/travel-insurance-usa-features/) If you're wondering when to buy travel insurance and how to choose the right plan for you, consider these 8 key factors. [The Hidden Benefits of Travel Medical Insurance](https://www.visitorscoverage.com/hidden-benefits-of-travel-medical-insurance/) When you think about travel medical insurance, you probably don't think of these benefits. [Beginner’s Guide to Travel Medical Insurance](https://www.visitorscoverage.com/travel-insurance-guide/) Confused about travel medical insurance? We've got you covered. Check out our beginner’s guide to travel medical insurance. ### Schengen Travel Insurance FAQs If my Schengen visa is denied, can I cancel my travel insurance plan? What are the Schengen Visa requirements? Will I get proof of insurance coverage to show the embassies? Can my entire family be on one policy even though they are all U.S citizens and do not require a Schengen visa? Am I covered in all Schengen territories? [Show all questions](https://www.visitorscoverage.com/schengen-visa-insurance/) ## We’ve got you covered. At VisitorsCoverage, you can easily compare Schengen Visa Insurance plans and buy them online, quickly and without excessive paperwork. Schengen Visa Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind. [Why VisitorsCoverage?](https://www.visitorscoverage.com/why-visitorscoverage/) ## Related products ![Trip Cancellation Insurance](https://assets.visitorscoverage.com/production/images/product-icon-trip-cancellation.svg?width=56) Trip Cancellation Insurance [Learn More](https://www.visitorscoverage.com/trip-insurance/)[View plans](https://www.visitorscoverage.com/trip-insurance/plans/) ![Trip Insurance](https://assets.visitorscoverage.com/production/images/product-icon-trip-insurance.png?width=56) Trip Insurance [Learn More](https://www.visitorscoverage.com/trip-insurance/)[View plans](https://www.visitorscoverage.com/trip-insurance/plans/) ![International Travel Medical Insurance](https://assets.visitorscoverage.com/production/images/product-icon-international-travel-insurance.png?width=56) International Travel Medical Insurance [Learn More](https://www.visitorscoverage.com/international-travel-insurance/)[View plans](https://www.visitorscoverage.com/visitor-health-insurance/plans/) [Browse all products](https://www.visitorscoverage.com/travel-insurance-products/) Disclaimer Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. 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Readable Markdown
## What Is Schengen Visa Travel Insurance? Schengen visa travel insurance is a specific type of medical insurance required to obtain a Schengen visa. This type of insurance covers a range of unexpected travel-related expenses while you're in the Schengen Area, including emergency medical expenses, hospitalization, medical evacuation, repatriation of remains, and often other benefits like emergency dental, lost baggage, and travel interruption. It's designed to protect you and ensure that Schengen healthcare systems are not financially burdened by visiting travelers. #### Is Travel Insurance Required for a Schengen Visa? Yes. If you're visiting from a non-visa-exempt country for tourism, business, or family reasons for up to 90 days in a 180-day period, Schengen visa insurance is mandatory. ## Who Is Required to Get a Schengen Visa and Schengen Travel Insurance? Whether travel insurance is required depends on your nationality. ### Visa-Required Travelers If you are traveling to a Schengen country and your nationality requires a Schengen visa, then **travel insurance is mandatory.** You'll need to submit proof of adequate insurance along with your visa application. Without it, your application is likely to be denied. Check the official Schengen page for more information on [which nationalities are required to get a visa](https://schengeninsuranceinfo.com/schengen-visa/who-needs/). Even if you're not stepping off the plane or airport, such as having a layover in a Schengen country, you may still be required to show proof of compliant travel insurance. ### U.S. Citizens and Other Visa-Exempt Travelers U.S. citizens and other travelers from visa-exempt countries do not need a Schengen visa for short stays (up to 90 days in a 180-day period). However, starting in late 2026, U.S. travelers will be required to obtain ETIAS (European Travel Information and Authorization System) approval prior to their trip. ETIAS is not a visa, but it is a mandatory travel authorization designed to enhance border security and pre-screen travelers. While it doesn't require travel insurance, it's strongly advised to carry medical coverage while abroad. To learn more, read our guide: [Everything You Need to Know About ETIAS](https://www.visitorscoverage.com/blog/everything-you-need-to-know-about-etias-2/) For visa-exempt travelers to Schengen countries, [travel insurance for a trip to Europe](https://www.visitorscoverage.com/blog/europetravel-plus-review-is-it-the-best-travel-insurance-for-europe-and-schengen-countries/) might not be legally required, but it's still a wise precaution to prevent having to pay out of pocket if something goes wrong. ## What Are the Schengen Visa Travel Insurance Requirements? Your [Schengen visa travel insurance](https://www.visitorscoverage.com/schengen-visa-travel-insurance/) must have coverage for the following requirements: - Be valid in all 29 Schengen countries - Offer coverage for the entire period of the traveler's stay or transit in the Schengen area (up to 90 days within a 180-day period) - Have a minimum coverage amount of €30,000 - Have a \$0 deductible - Emergency medical evacuation - Urgent medical attention - Return of mortal remains - Emergency hospital treatment While visa-exempt travelers can only choose a travel medical insurance plan, U.S. residents may choose between travel medical insurance or trip insurance, whichever is better for their specific needs. Travelers should also consider [acute-onset of pre-existing condition coverage](https://www.visitorscoverage.com/acute-onset-of-pre-existing-conditions-faqs/). Although it is not required, it should be considered for older travelers with a medical history. Choosing a Schengen insurance policy that meets these requirements and provides adequate coverage for your specific travel needs is important. ### How to Get the Best Schengen Visa Compliant Plan When you buy travel insurance through VisitorsCoverage, there's no need to stress about whether your plan meets Schengen visa requirements. As soon as you indicate that you're heading to a Schengen country, you'll be matched with policies that are fully compliant with the visa's insurance guidelines. Immediately after purchase, you'll receive a Confirmation of Coverage Visa Letter from your selected insurance provider. This official document confirms that your plan meets all the necessary criteria—including coverage limits and eligible benefits—and should be included with your visa application. Border control officials may also ask to see this letter when you arrive in Europe. ### Watch Out for Fake Visa Letters Unfortunately, fraudulent Confirmation of Coverage Letters do exist. These are sometimes sold by unauthorized parties and may not be recognized by embassies or border agents. To stay safe, always purchase insurance directly from a trusted source. If you receive a Confirmation of Coverage Visa Letter from a source other than your insurer, it may be fraudulent. When you use a reliable marketplace like VisitorsCoverage, you can rest easy knowing you're only seeing plans from legitimate, globally respected insurers. This not only helps you avoid invalid documents but also ensures your policy will be accepted without issue. ## Countries Included in the Schengen Area The 29 countries in the Schengen Area that require travel insurance are: - [Austria](https://www.visitorscoverage.com/travel-insurance-requirements/austria/) - [Belgium](https://www.visitorscoverage.com/travel-insurance-requirements/belgium/) - [Bulgaria](https://www.visitorscoverage.com/travel-insurance-requirements/belgium/) - [Croatia](https://www.visitorscoverage.com/travel-insurance-requirements/croatia/) - Czech Republic - [Denmark](https://www.visitorscoverage.com/travel-insurance-requirements/denmark/) - Estonia - Finland - [France](https://www.visitorscoverage.com/travel-insurance-requirements/france/) - [Germany](https://www.visitorscoverage.com/travel-insurance-requirements/germany/) - [Greece](https://www.visitorscoverage.com/travel-insurance-requirements/greece/) - Hungary - [Iceland](https://www.visitorscoverage.com/travel-insurance-requirements/iceland/) - [Italy](https://www.visitorscoverage.com/travel-insurance-requirements/italy/) - Latvia - Liechtenstein - Lithuania - Luxembourg - Malta - [Netherlands](https://www.visitorscoverage.com/travel-insurance-requirements/netherlands/) - [Norway](https://www.visitorscoverage.com/travel-insurance-requirements/norway/) - [Poland](https://www.visitorscoverage.com/travel-insurance-requirements/poland/) - [Portugal](https://www.visitorscoverage.com/travel-insurance-requirements/portugal/) - Romania - Slovakia - Slovenia - [Spain](https://www.visitorscoverage.com/travel-insurance-requirements/spain/) - Sweden - [Switzerland](https://www.visitorscoverage.com/travel-insurance-requirements/switzerland/) ## What Countries Don’t Require a Schengen Visa? Although most of Europe is part of the Schengen Agreement, [some countries remain outside](https://home-affairs.ec.europa.eu/policies/schengen-borders-and-visa/schengen-area_en) of it. These include: - **Ireland:** Uses its own visa and border policies separate from the Schengen Agreement. - **Cyprus:** Though an EU member, it has not yet joined the Schengen Area. - **United Kingdom:** Since Brexit, the UK has its own border control and visa regulations. These countries may not require Schengen visas and, therefore, do not require travel insurance. However, travelers visiting these countries should still check the specific entry requirements, as they may differ significantly from Schengen visa policies and requirements. ## Types of Schengen Visas Having a Schengen visa can be extremely advantageous for travelers who wish to explore multiple countries in Europe, as it allows for greater flexibility and ease of travel. Schengen visas are categorized based on the purpose and duration of the intended stay. There are three types of Schengen visas: ### Type A Schengen Visas Type A visas or Airport Transit Visas allow travelers from non-Schengen states to transit through the international zone of an airport in a Schengen country, without entering the country. ### Type C Schengen Visas The type C visa is issued by the visa services of a country within the Schengen area and allows the holder to stay or travel freely within the Schengen area. To determine if you need a Type C Schengen visa, you can refer to the [Schengen visa entry requirements](https://www.visitorscoverage.com/schengen-visa-insurance/plans/). Depending on the purpose of your trip, the Type C Schengen visa can be one of the following types: - Single-entry - Grants single-entry access to the Schengen area. Exiting the area invalidates the visa's remaining validity, regardless of its expiration date. - Double-entry - Grants two entries into the Schengen area within the visa's validity period. This allows for departure and re-entry within that timeframe. However, once exiting the area for the second time, the visa expires. - Multiple-entry - Allows for varying degrees of flexibility for entering and leaving the Schengen area permitting the holder to enter and leave as many times as they want within a maximum of 90 days over 180 days. ### Type D Schengen Visas The Type D visa is a long-stay visa required for those wishing to live, study, or work in a Schengen country for more than 90 days. The travel purposes which can justify applying for a category D visa are: - Tourism or private visits - Professional activities - Studying, Taking part in a training program or completing an internship - Family reasons The consular authorities of the intended Schengen country issue the national visa or type D visa in accordance with national legislation. Thus, it is essential to contact the country's services to learn about the various conditions and formalities that must be fulfilled. Depending on certain circumstances, it may be granted as a single or multiple-entry long-stay visa. Multiple-entry visas are also available for one, three, or five years. **Important:** All types of Schengen visas have to adhere to the 90/180 Schengen Visa rule, which limits a traveler's stay to a maximum of 90 days in any 180-day period. ## Restrictions and Limitations with Schengen Visa Travel Insurance If you've secured a [Schengen Visa travel insurance plan](https://www.visitorscoverage.com/schengen-visa-insurance/plans/), it's important to remember that there may be coverage exclusions in your policy. This means that there are some instances in which your medical expenses will not be eligible for coverage. Common Schengen insurance exclusions include: - Injury, illness, or death related to war or terrorism - Illnesses related to pre-existing conditions - Maternity and newborn care - Mental health or nervous disorder treatments - Elective surgery or treatment - Routine or preventative care Each plan's exclusions will vary, so it's important to review your Schengen visa insurance's coverage details in full to understand any possible restrictions or limitations. ## Why Purchase Schengen Insurance Through VisitorsCoverage If you require travel insurance for your Schengen visa, it is important to note that not all travel insurance out there will meet the set requirements for a Schengen visa. When you purchase through VisitorsCoverage, you get the following benefits: - Handpicked Schengen insurance policies that meet the specific requirements for a Schengen visa - An instant downloadable letter to show as proof of insurance in order to get your Schengen visa - The purchase process takes only minutes and can be done instantly, all online - We offer cheap and affordable plans for every traveler - Absolutely no paperwork necessary to complete your purchase Ready to get insured? Check out our [Schengen visa travel insurance plans](https://www.visitorscoverage.com/schengen-visa-insurance/plans/) today\! #### See What Customers Have to Say VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great\! Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me. Ginny Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!\! Brad Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes. Kavitha ![](https://assets.visitorscoverage.com/production/images/review-img-1-new.png?width=149) ### Helpful articles In order for your Schengen visa application to get approved, you need the right travel medical insurance. Learn more about how to get Schengen insurance. If you're wondering when to buy travel insurance and how to choose the right plan for you, consider these 8 key factors. When you think about travel medical insurance, you probably don't think of these benefits. Confused about travel medical insurance? We've got you covered. Check out our beginner’s guide to travel medical insurance. ## We’ve got you covered. At VisitorsCoverage, you can easily compare Schengen Visa Insurance plans and buy them online, quickly and without excessive paperwork. Schengen Visa Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind. [Why VisitorsCoverage?](https://www.visitorscoverage.com/why-visitorscoverage/) ## Related products ![Trip Cancellation Insurance](https://assets.visitorscoverage.com/production/images/product-icon-trip-cancellation.svg?width=56) Trip Cancellation Insurance ![Trip Insurance](https://assets.visitorscoverage.com/production/images/product-icon-trip-insurance.png?width=56) Trip Insurance ![International Travel Medical Insurance](https://assets.visitorscoverage.com/production/images/product-icon-international-travel-insurance.png?width=56) International Travel Medical Insurance
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