Which Travel Insurance is Best for Schengen Visa


Planning a trip to the beautiful countries of the Schengen Area in Europe can be an exciting endeavor. However, before you embark on your journey, there’s one crucial thing you need to consider: travel insurance. Schengen visa requirements include having adequate travel insurance coverage. In this article, we will explore the ins and outs of choosing the best travel insurance for your Schengen visa, ensuring you have a worry-free and enjoyable trip.

Understanding Schengen Visa Requirements

Before delving into the specifics of travel insurance, it’s essential to understand what the Schengen visa requirements are. The Schengen Area comprises 26 European countries that have abolished passport control at their mutual borders. To enter these countries, travelers must obtain a Schengen visa. One of the prerequisites for obtaining this visa is having valid travel insurance.

Types of Travel Insurance

When it comes to choosing travel insurance for your Schengen visa, you’ll encounter various types of coverage. Here are some of the most common options:

1. Medical Coverage

Medical coverage is the most critical aspect of Schengen visa travel insurance. It ensures that you are financially protected in case of unexpected illnesses or accidents during your trip. Look for policies that offer a substantial coverage limit to account for medical emergencies.

2. Trip Cancellation and Interruption

This coverage reimburses you for non-refundable trip expenses if you need to cancel or cut short your trip due to unforeseen events, such as a family emergency or sudden illness.

3. Lost Luggage and Personal Belongings

Imagine arriving in the Schengen Area, but your luggage doesn’t. This coverage helps you recover the cost of lost or stolen baggage and personal items.

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4. Travel Assistance Services

Travel insurance should also provide 24/7 emergency assistance services. This includes medical referrals, translation services, and help with lost travel documents.

Evaluating Coverage Limits

When comparing travel insurance policies, pay close attention to the coverage limits. The Schengen visa requirements specify a minimum coverage of €30,000 for medical expenses. However, it’s advisable to choose a policy with higher coverage limits to ensure comprehensive protection.

Consideration for Pre-existing Conditions

If you have pre-existing medical conditions, make sure the travel insurance policy covers them. Some policies exclude pre-existing conditions, while others may provide coverage if specific conditions are met.

Duration of Coverage

Determine the exact dates of your trip and ensure that your travel insurance covers the entire duration of your stay in the Schengen Area. It’s also wise to have a few extra days of coverage in case of unexpected delays.

Affordable Premiums vs. Comprehensive Coverage

While it’s essential to find affordable travel insurance, don’t compromise on coverage. It’s better to pay a slightly higher premium to ensure you have adequate protection in case of emergencies.


Selecting the best travel insurance for your Schengen visa is a crucial step in planning your European adventure. By understanding the types of coverage available, evaluating coverage limits, considering pre-existing conditions, and ensuring comprehensive protection, you can travel with peace of mind.


1. Is travel insurance mandatory for a Schengen visa?

Yes, travel insurance with a minimum coverage of €30,000 for medical expenses is a mandatory requirement for obtaining a Schengen visa.

2. Can I purchase travel insurance after obtaining a Schengen visa?

It’s recommended to purchase travel insurance before applying for a Schengen visa. However, you can still buy it after visa issuance as long as it covers the entire duration of your trip.

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3. What should I do if I need medical assistance during my trip in the Schengen Area?

Contact the emergency assistance number provided by your travel insurance company. They will guide you on the necessary steps and help you find suitable medical care.

4. Are adventure sports and activities covered by Schengen visa travel insurance?

Coverage for adventure sports and activities varies among insurance providers. It’s crucial to check the policy details and, if necessary, purchase additional coverage for specific activities.

5. Can I extend my travel insurance coverage while in the Schengen Area?

Extending travel insurance coverage while in the Schengen Area is possible in some cases. Contact your insurance provider well in advance to inquire about extension options and requirements.

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