Insurance for Schengen Visa: A Comprehensive Guide

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What is a Schengen Visa?

A Schengen Visa is a travel document that allows individuals to travel freely within the Schengen Area, which encompasses 26 European countries. This visa allows travelers to visit multiple countries within the Schengen Zone without the need for additional visas or immigration checks at each border. It is a popular choice for tourists, business travelers, and students who wish to explore multiple countries in Europe.

insurance for schengen visa

Understanding the Importance of Insurance for Schengen Visa

When applying for a Schengen Visa, one of the essential requirements is proof of travel insurance that meets certain criteria. Insurance for Schengen Visa plays a crucial role in ensuring the safety and well-being of travelers during their visit to the Schengen Area. It provides financial coverage and assistance in case of emergencies, medical expenses, repatriation, and other unforeseen events that may occur during the trip.

Why Do I Need Insurance for Schengen Visa?

Many travelers wonder why insurance is mandatory for obtaining a Schengen Visa. The main reason behind this requirement is to protect both the traveler and the host country. Here are some key reasons why insurance for Schengen Visa is necessary:

  • Healthcare Coverage: In case of any unexpected medical emergencies, insurance provides coverage for hospitalization, treatment, and medication costs. This ensures that travelers can avail of necessary healthcare services without incurring significant out-of-pocket expenses.
  • Repatriation: If a traveler falls seriously ill or gets injured during their stay in the Schengen Area, insurance covers repatriation costs, including transportation back to their home country. This ensures that the traveler receives appropriate medical care in their home country.
  • Liability Coverage: Insurance also offers liability coverage in case the traveler causes any damage or injury to others during their visit. This can protect the traveler from potential legal and financial complications that may arise due to such incidents.
  • Visa Requirement: As mentioned earlier, proof of insurance is a mandatory requirement for obtaining a Schengen Visa. Without valid insurance, your visa application may get rejected, and you may not be able to enter the Schengen Area.

What Should Insurance for Schengen Visa Cover?

Insurance for Schengen Visa must comply with specific requirements set by the European Union. To meet the visa requirements, the insurance policy should have the following coverage:

  • Minimum Coverage: The policy should provide a minimum coverage of €30,000, which is considered sufficient to cover any potential medical expenses, emergency hospitalization, or repatriation costs.
  • Validity: The insurance policy should be valid for the entire duration of the traveler’s stay in the Schengen Area. It should cover the entire visa validity period.
  • Geographical Coverage: The insurance should be valid in all Schengen countries, as well as provide coverage during transit through non-Schengen countries if the traveler has a layover.
  • Medical Evacuation: The policy should include coverage for medical evacuation in case specialized treatment is required, and it is not available locally.

FAQs about Insurance for Schengen Visa

1. What happens if I travel to the Schengen Area without insurance?

Traveling to the Schengen Area without insurance can have serious consequences. If you are asked to present proof of insurance at the border or during visa application, and you fail to do so, you may be denied entry or have your visa application rejected. Moreover, you will be personally responsible for any medical expenses or emergencies that occur during your stay.

2. Can I use my existing travel insurance for the Schengen Visa?

Yes, if your existing travel insurance meets all the requirements specified for insurance for Schengen Visa, you can use it for your visa application. However, make sure to carefully review the coverage details to ensure it complies with the specific requirements.

3. Where can I purchase insurance for Schengen Visa?

Insurance for Schengen Visa can be purchased from various insurance providers, both online and offline. It is recommended to compare different policies and choose one that offers comprehensive coverage at a competitive price.

4. Can I purchase insurance after getting the Schengen Visa?

No, it is essential to purchase insurance before applying for the Schengen Visa. Proof of insurance is required during the visa application process, and without it, your application may be rejected.

5. What if I need to extend my stay in the Schengen Area?

If you need to extend your stay in the Schengen Area, you must also extend your insurance coverage accordingly. Contact your insurance provider to request an extension or purchase a new policy that covers the extended period.

6. Can I cancel my insurance after obtaining the Schengen Visa?

It is not recommended to cancel your insurance after obtaining the Schengen Visa, especially if you haven’t completed your trip. Insurance provides protection and assistance in case of emergencies, and canceling it prematurely may leave you vulnerable to significant financial risks.


Insurance for Schengen Visa is not just a mere requirement but an essential aspect of traveling to the Schengen Area. It provides financial protection, peace of mind, and necessary coverage in case of any unforeseen events during your trip. It is always advisable to choose a comprehensive insurance policy that meets all the required criteria to ensure a smooth and stress-free journey.