The Lowdown on Schengen Insurance
So, you’ve read our previous blog post on the different types of travel insurance and are now ready to dive deeper into a specific and crucial type of coverage: Schengen visa insurance. Whether you're planning a short European vacation or a longer-term stay, understanding the ins and outs of Schengen insurance is essential. This guide will walk you through everything you need to know.
What is the Schengen Area?
First things first, let's clarify what the Schengen Area is. It's a zone of 29 European countries that have abolished internal border controls, allowing for free and unrestricted movement of people. For travelers from many countries, this means that once you enter the Schengen Area, you can travel between member countries without undergoing border checks.
As of 2025, the Schengen Area comprises the following 29 countries: Austria, Belgium, Bulgaria, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
Discover the Schengen Destinations
Schengen Visa Insurance Requirements: The Essentials
If you are a citizen of a country that requires a visa to enter the Schengen Area, you will need to show proof of travel medical insurance to have your visa approved. The requirements for this insurance are very specific and non-negotiable. Your policy must include:
- Minimum coverage of €30,000 (equivalent to about $32,000 USD). This coverage is for any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment or death.
- Coverage for the entire duration of your stay in the Schengen Area. Your insurance must be valid for the full period of your trip.
- Validity in all Schengen Area countries. Your insurance policy must be accepted in all 29 member countries.
It's crucial to purchase a policy that explicitly states it meets Schengen visa requirements. Reputable insurance brokers like Insubuy offer plans designed specifically for this purpose, ensuring you have the right coverage to get your visa approved and to be protected during your travels.
Beyond the Short Stay: Schengen Insurance for Type D Visas
While Schengen insurance is a must for short-stay visa applicants (Type C), it's also highly relevant for those applying for a Type D national visa for a long-term stay. This includes international students studying abroad, individuals on extended work assignments, or those taking a long vacation.
Even if you are a citizen of a country that does not require a visa for short stays in the Schengen Area (like the USA), you may need a long-stay visa and, consequently, appropriate health insurance if you plan to stay for more than 90 days. For example, if you are a student from the United States planning to study in France for a year, you will need to apply for a French long-stay visa and provide proof of health insurance that meets the requirements for the duration of your stay.
A Look at the Numbers: Schengen Visas by the Stats
The allure of Europe is undeniable, and the numbers reflect this. In 2023, over 10.3 million Schengen visa applications were filed worldwide, a significant increase from the 7.5 million in 2022, though still below the pre-pandemic level of 17 million in 2019.
The top five countries with the highest number of visa applications in 2023 were:
- France (2,625,846)
- Germany (1,459,560)
- Spain (1,413,222)
- Italy (1,108,035)
- Netherlands (669,291)
These numbers indicate a strong and growing interest in visiting the Schengen Area, making it more important than ever to be prepared with the right documentation, including the proper travel insurance.
Your Next European Adventure Awaits: Popular Schengen Destinations
Ready to be inspired for your trip? The Schengen Area is home to some of the world's most iconic and beloved destinations. Here are just a few of the most popular spots that attract millions of visitors each year:
- Paris, France: The "City of Light" needs no introduction, with world-famous landmarks like the Eiffel Tower, the Louvre Museum, and the charming streets of Montmartre.
- Rome, Italy: A city where history comes alive, from the ancient Colosseum and Roman Forum to the artistic masterpieces of the Vatican City.
- Barcelona, Spain: A vibrant city known for its unique architecture by Gaudí, bustling Las Ramblas, and beautiful beaches.
- Amsterdam, Netherlands: Famous for its picturesque canals, historic houses, and world-class museums like the Rijksmuseum and the Van Gogh Museum.
- Prague, Czech Republic: A fairytale city with a stunning Old Town Square, a historic castle complex, and the iconic Charles Bridge.
- The Swiss Alps, Switzerland: For nature lovers and adventure seekers, the Swiss Alps offer breathtaking landscapes, world-class skiing, and scenic hiking trails.
No matter which of these incredible destinations you choose to explore, having the right Schengen visa insurance will give you the peace of mind to enjoy your trip to the fullest. Be sure to purchase a compliant plan to ensure a smooth visa application process and a safe and healthy journey.
Schengen Insurance: Frequently Asked Questions (FAQ)
What is the minimum insurance coverage required for a Schengen visa?
You must have a travel medical insurance policy with a minimum coverage of €30,000. The plan must cover expenses for emergency medical treatment, hospitalization, and repatriation for medical reasons (returning you to your home country).
How much does Schengen visa insurance cost?
The cost can vary depending on your age, the length of your trip, and the specific plan you choose. However, these plans are typically very affordable. You can easily get instant quotes online to compare prices and find a policy that fits your budget.
Do I need insurance if I am from a visa-exempt country like the USA or Canada?
For short stays of up to 90 days, you are not required to show proof of insurance upon entry. However, purchasing travel medical insurance is still highly recommended, as healthcare costs in Europe can be very expensive. If you plan to stay for longer than 90 days with a long-stay (Type D) visa, you will be required to have proof of health insurance.
Can I get a refund if my Schengen visa is denied?
Yes. If you purchase a compliant Schengen visa insurance plan and your visa is denied for any reason, most insurance providers will offer a full refund. You will typically need to provide a copy of the official visa denial letter from the consulate.
Can I use any travel insurance policy for my visa application?
No. You must have a policy that explicitly meets all the requirements set by the Schengen countries. It is crucial to purchase a plan that is guaranteed to be Schengen visa compliant to avoid any issues with your visa application.