Cheap Schengen Visa Insurance: Schengen Travel Insurance & Requirements

Schengen visa applicants are obligated under EU regulations to acquire thorough travel insurance, safeguarding them from unforeseen medical expenditures.

Why Do You Need Schengen Visa Insurance?

Schengen visa insurance is a unique type of travel health coverage required for individuals applying for a Schengen visa. It guarantees financial assistance in cases of medical emergencies, such as accidents or severe illnesses, and also includes repatriation services.
Submitting an invalid or substandard insurance policy may lead to visa refusal. Protect your travel plans by choosing approved insurance that meets all necessary standards and provides comprehensive security during your visit to the EU.

Schengen Visa Insurance: What’s Required?

Per Regulation (EC) No 810/2009, Schengen travel insurance must include a minimum of €30,000 in medical coverage and be valid throughout all Schengen nations. It is a non-negotiable criterion for visa approval.

While travel insurance is not obligatory for everyone visiting Europe, it is a strict requirement for Schengen visa applicants. These individuals must ensure comprehensive coverage for the entire duration of their stay, regardless of their trip’s purpose.

Travelers from visa-exempt countries may voluntarily purchase travel insurance for peace of mind, but it remains an optional safeguard for their trips.

Mandatory Travel Insurance for Schengen Visa Applicants

In compliance with “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009,” travel insurance became an essential requirement for Schengen visa applications starting April 5, 2010. This regulation ensures that all applicants have adequate protection against medical and travel-related risks.

“… Applicants for a uniform visa for one or two entries shall prove that they own adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the Schengen Area Member States territory and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Mandatory Medical Insurance for Schengen Visa Applicants!

If you are a citizen or passport holder of any of the countries mentioned below, you are required to purchase travel medical insurance when submitting your Schengen visa application.

• Afghanistan
• Algeria
• Angola
• Armenia
• Azerbaijan
• Bahrain
• Bangladesh
• Belarus
• Belize
• Benin
• Bhutan
• Bolivia
• Botswana
• Burkina Faso
• Burma/Myanmar
• Burundi
• Cambodia
• Cameroon
• Cape Verde
• Central African Republic
• Chad
• China
• Comoros
• Congo
• Côte d´Ivoire
• Cuba
• Democratic Republic of Congo
• Djibouti
• Dominican Republic
• Ecuador
• Egypt
• Equatorial Guinea
• Eritrea
• Eswatini
• Ethiopia
• Fiji
• Gabon
• Gambia
• Ghana
• Guinea
• Guinea-Bissau
• Guyana
• Haiti
• India
• Indonesia
• Iran
• Iraq
• Jamaica
• Jordan
• Kazakhstan
• Kenya
• Kuwait
• Kyrgyzstan
• Laos
• Lebanon
• Lesotho
• Liberia
• Libya
• Madagascar
• Malawi
• Maldives
• Mali
• Mauritania
• Mongolia
• Morocco
• Mozambique
• Namibia
• Nauru
• Nepal
• Niger
• Nigeria
• North Korea
• Oman
• Pakistan
• Papua New Guinea
• Philippines
• Qatar
• Russia
• Rwanda
• Sao Tome and Principe
• Saudi Arabia
• Senegal
• Sierra Leone
• Somalia
• South Africa
• South Sudan
• Sri Lanka
• Sudan
• Suriname
• Syria
• Tajikistan
• Tanzania
• Thailand
• Togo
• Tunisia
• Turkey
• Turkmenistan
• Uganda
• Uzbekistan
• Vietnam
• Yemen
• Zambia
• Zimbabwe

Travelers holding citizenship or passports from countries not mentioned earlier are not obligated to acquire Schengen travel insurance unless they lack visa-free access to the Schengen Area and need to apply for a visa.

Tips for Selecting the Perfect Schengen Visa Insurance

Your Schengen visa application depends on valid travel insurance. Always verify that your provider is authorized and that the policy meets all the criteria outlined by Schengen consulates.

In 2023, over 1.6 million applications were denied, often due to incomplete requirements like improper travel insurance (source: European Commission). Protect your application with the right coverage.

Proposal Based on Your Schengen Visa Criteria

Provisit Visum by DR-Walter is specifically designed to meet Schengen visa requirements and is recognized by embassies and consulates throughout the EU and Schengen Area. Submit it confidently with your Schengen visa application after purchase.

Traveling Beyond 75+ Peace of Mind Is Key
Explore Schengen travel insurance options crafted for senior travelers.

With plans offering reliable medical coverage, your European adventure can be both safe and exciting.

Should Medical Insurance Extend to All Schengen Nations?

Yes, the policy should cover all Schengen member states in order to be accepted by Consulates.

• 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

Understanding Schengen Insurance Costs!

A one-week Schengen insurance policy can cost as little as €10, making it an affordable choice for travelers. The total price depends on age, the length of your trip, the coverage options you select, and the insurer.

In 2023, 15 million Schengen visa holders demonstrated proof of valid travel insurance, a requirement under EU guidelines (source: European Commission).

Affordable Schengen Travel Insurance: What to Look For

Securing affordable travel insurance for Europe is easier with proper research. Evaluate multiple policies and providers to ensure you get the best deal without compromising coverage.

Cost-effective plans can still meet Schengen visa requirements, so don’t assume high prices mean better service. The key is finding a policy that aligns with both your budget and the legal requirements for your trip.

Budget-Friendly Travel Insurance for Schengen Visa

Finding affordable travel insurance that meets Schengen visa criteria doesn’t have to be complicated. Our experts reviewed the most cost-effective policies offering extensive coverage across the Schengen Zone and the EU.

The results are clear: DR-WALTER stands out as the best option, combining affordability with complete compliance and client peace of mind.

The insurance coverage PROVISIT-VISUM is according to all regulations of the Council of Europe as ruled on 13.07.2009 (EG Nr. 810/2009).
The following applies to Schengen Visa: The insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City. The policy provides unlimited coverage of medical costs and medically necessary and prescribed return transport, thus exceeding the required coverage of 30,000 EUR.
Repatriation of an insured person’s remains to the home country is covered up to 30,000 EUR.
Medical treatments due to COVID-19 infections are included in the insurance coverage.

A Closer Look at DR-WALTER

DR-WALTER is a Neunkirchen-Seelscheid-based insurance firm with over 60 years of experience in travel health insurance. It serves Schengen visa applicants, international students, and global travelers, offering tailored solutions for different types of clients.

With competitive pricing, reliable coverage, and an easy application process, DR-WALTER continues to stand out as a trusted provider in the insurance market.

 Explore Your DR-WALTER Insurance Options …

What Is Covered Under Schengen Travel Insurance?

A good Schengen travel insurance policy ensures:

• Coverage for medical emergencies within the Schengen Area
• Emergency evacuation costs
• Repatriation of remains to the home country
• Returning unaccompanied minors safely
• Compensation for accidental death or disablement
• Funeral expenses abroad
• Dental emergencies

Pregnancy-related costs are usually covered during the first trimester, with different terms applied by insurers beyond that stage.

Travel, Study, and Insurance in the Schengen Zone…

Whether traveling to Europe for leisure or study, travel health insurance is indispensable. Germany, a hub for international students, offers numerous academic opportunities, but having valid insurance is mandatory to ensure a safe and uninterrupted stay.

Continue reading our related articles to gain a deeper understanding of Schengen travel, studying abroad, and travel health insurance options.