Travel Insurance for Schengen Visa & Requirements

According to EU directives, obtaining travel insurance is a non-negotiable requirement for Schengen visa applicants, providing financial protection in case of medical emergencies.

What You Need to Know About Schengen Visa Insurance?

Schengen visa insurance is a specific type of travel health coverage required for entry into Schengen countries. It covers essential medical expenses, emergency evacuations, and hospital stays, ensuring travelers are financially protected during their stay.
Invalid or inadequate insurance could result in visa rejection. Avoid unnecessary risks by selecting an approved policy that complies with Schengen regulations and safeguards your trip to Europe.

Schengen Visa Insurance: Key Requirements

Schengen travel insurance, as per Regulation (EC) No 810/2009, must provide €30,000 in coverage and be valid across the entire Schengen Zone. This ensures financial support in emergencies for visa applicants.

While travel health insurance is highly recommended for all visitors, it is only mandatory for Schengen visa applicants.
It must cover the entire trip duration, regardless of whether the visit is for business, leisure, or studies.

Travelers eligible for visa-free entry are not required to have insurance but can choose to purchase it for added safety during their journey.

Travel Insurance and Schengen Visa Applications

Outlined in the “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009,” enforced on April 5, 2010, travel insurance is a compulsory aspect of the Schengen visa process. This ensures financial protection for travelers against unforeseen events.

“… 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” (…)

Who Must Obtain Medical Insurance for a Schengen Visa?

Passport holders and nationals of the following countries are obligated to purchase travel medical insurance as part of their Schengen visa application requirements.

• 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

Nationals from countries not included in the aforementioned list are exempt from requiring Schengen travel insurance unless they need to apply for a visa due to ineligibility for visa-free access to the Schengen Zone.

How to Secure the Ideal Travel Insurance for Your Schengen Visa

Selecting the right travel insurance requires thorough research. Make sure the provider is recognized by Schengen Embassies, and the policy satisfies all required conditions.

With over 1.6 million Schengen visa rejections in 2023 (source: European Commission), invalid travel insurance remains a common reason for denials. Ensure your application’s success by choosing a compliant plan.

Comprehensive Proposal for Your Visa Application

Provisit Visum, provided by DR-Walter, ensures compliance with Schengen visa standards and is accepted at consulates worldwide.
Purchase the policy to include it with your Schengen visa application for stress-free processing.

Planning Your Travel Adventures at 75+?
Discover Schengen travel insurance designed specifically for senior travelers. Enjoy peace of mind with tailored coverage for medical emergencies, ensuring your journey remains stress-free and enjoyable.

Does Schengen Insurance Require Universal Coverage?

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

Schengen Travel Insurance: What Will It Cost You?

Schengen travel insurance is relatively inexpensive, with prices for one-week coverage starting at just €10. Total costs depend on factors like age, the duration of travel, the level of coverage, and the chosen insurer.

In 2023, over 15 million travelers successfully applied for Schengen visas, all adhering to the insurance requirements set by EU regulations (source: European Commission).

Smart Choices for Cheap Schengen Travel Insurance

Securing affordable travel insurance for Europe requires comparing different options. Even low-cost plans can meet Schengen visa criteria when selected with care.

Don’t equate price with quality. Many economical policies offer excellent coverage while fulfilling all Schengen visa application requirements. Choose wisely to ensure safety and compliance.

Reliable and Affordable Travel Insurance for Schengen Visa

raveling to the Schengen Zone doesn’t have to be expensive. Our experts have carefully selected three affordable insurance policies that meet all Schengen visa requirements and offer extensive EU coverage.

After thorough analysis, DR-WALTER has proven to be the top choice for affordable, comprehensive, and trustworthy travel insurance.

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.

Why Choose DR-WALTER?

For over 60 years, DR-WALTER has been a leading insurance provider headquartered in Neunkirchen-Seelscheid. Specializing in travel health insurance, the company serves Schengen visa applicants, international students, and global travelers.

Their packages, tailored for private clients, combine affordability, extensive coverage, and ease of enrollment, making DR-WALTER a trusted partner for your insurance needs.

 Explore Your DR-WALTER Insurance Options …

Typical Coverage in Schengen Travel Insurance Plans

A Schengen travel insurance policy generally includes:

• Emergency medical treatment within the Schengen Zone
• Costs of medical evacuation services
• Repatriation of remains following death abroad
• Return services for minors traveling alone
• Benefits for accidental injuries or fatalities
• Funeral arrangements for deaths overseas
• Emergency dental treatments

Coverage for pregnancy-related costs is common during the first trimester but may vary across insurance providers for later stages.

Schengen Travel, Study, and Health Insurance…

Exploring Europe’s Schengen Area, especially Germany, is a dream for many travelers and students. Valid travel health insurance ensures compliance with regulations while providing essential medical coverage during your stay.

For more comprehensive insights, browse our related articles on travel, education, and health insurance in Europe.