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Travel insurance for Schengen visa

Procedure to get the Instant Schengen visa letter for application as required by the European consulates

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Before traveling to any Schengen country, it is essential to purchase Schengen visa travel insurance to meet the visa requirements. On American Visitor Insurance, you can easily buy travel insurance online and obtain the visa letter required for your application at the consulate. Once your insurance is purchased, you will receive detailed policy information, including a toll-free number, a virtual ID card, and the Schengen insurance visa letter, which serves as proof of coverage for your visa application.

Do I need travel insurance to Schengen countries?

Travel insurance for Schengen countries is mandatory if you need a Schengen visa and must meet specific coverage criteria. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.

Who needs to apply for an Schengen Visa?

Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Schengen country for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for an Schengen Visa. This visa allows travel to Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

Nationalities who needs a Schengen visa

How to apply for a Schengen visa?

To apply for a Schengen Visa, follow these steps:

  • Choose the correct visa based on your travel purpose (tourism, business, etc.).
  • Fill out the Schengen visa application form.
  • Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation
  • Book an appointment with the Schengen consulate or visa center.
  • Submit your application, biometric data, and documents at the consulate.
  • Pay the visa application fee
  • Processing usually takes around 15 days.
  • Pick up your approved visa from the consulate.

Schengen travel insurance requirements

Travelers who need an Schengen visa should buy travel insurance satisfying Schengen visa requirements:

  • Minimum coverage of at least €30,000 in medical expenses (about $50,000 USD)
  • Validity across all Schengen Area member states.
  • Coverage for medical repatriation and emergency medical care.
  • The policy must be valid for the entire duration of your stay.
  • Policy must have a $0 deductible with 100% Coverage

Schengen visa travel insurance, Cheapest Schengen insurance

The Schengen Agreement that was originally signed on 14 June 1985 by Five European Union members has now been broadened to include 29 European countries. These 29 Schengen countries have between them a population of over 400 million.

These 29 Schengen countries have officially removed all border restrictions between their mutual borders which allows international travelers to travel in these 29 countries without any border crossing restrictions.

The travel insurance plans that we offer work for travelers of all nationalities. Buying medical insurance while travelling in Europe and for Schengen countries on a website called Americanvisitorinsurance.com may appear contradictory.

List of travel insurance companies for schengen visa USA
However while we mainly offer travel insurance for visiting the US, we also offer Travel insurance for Europe which are designed specifically to meet Schengen Visa requirements. We provide the list of travel insurance companies for Schengen visa which offer some of the best plans satisfying the Schengen travel insurance requirements:

Which is cheapest Schengen visa travel insurance?

The cheapest travel insurance for Schengen visa cost starts from just $10 for a week. Schengen visa insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required. It is advisable to compare cheapest travel medical insurance for Schengen visa before buying the travel insurance for Schengen visa that satisfies Schengen consulate requirements

What is the best travel insurance Schengen visa insurance?

The best Schengen visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some Europe travelers will look for the cheapest Schengen visa insurance cost specifically to satisfy the Schengen visa requirements, others will look for the most comprehensive Schengen travel insurance coverage.

  • Coverage includes Emergency Medical Evacuation, Hospital Room and Board...
  • Policy maximum covers up to 1M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years
  • Provides comprehensive medical coverage, emergency evacuation, and repatriation...
  • Policy maximum covers up to 2M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 79 years

Safe Travels International
Trawick International

  • Coverage includes travel delay, emergency medical evacuation, repatriation, emergency services...
  • Policy maximum covers up to 1M
  • Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65

How much does Schengen visa travel insurance cost?

The cost for the Schengen visa travel insurance depends mainly on the age of the traveler and the duration of coverage required. The older the traveler the higher will be the cost. The longer the duration of travel insurance coverage Schengen visa required, the greater will be the cost for the travel insurance for Schengen visa. The Schengen visa insurance application quote facility on our website lists the travel insurance that satisfy Schengen visa consulate requirements. You can find the cheapest insurance for Schengen visa on American Visitor Insurance.

Europe Schengen travel insurance Cost in 2025

All the insurance plans listed below meet the Schengen visa requirements and are recognized by Schengen/EU embassies and consulates globally. Additionally, each provider allows you to download your Schengen visa letter on buying the policy. Travel medical insurance plans for Schengen countris can start at just $1 per day.

Insurance Plans Provider Network Cost* How to download Visa letter
Atlas International WorldTrips United Healthcare Provider Network $8 WorldTrips insurance ID cards via Client Zone
Patriot International Lite IMG United Healthcare Provider Network $10 IMG insurance ID cards from My IMG
Atlas Premium International WorldTrips United Healthcare Provider Network $11 WorldTrips insurance ID cards via Client Zone
Safe Travels International Cost Saver Trawick International United Healthcare Provider Network $11 Trawick International insurance ID cards via Client Zone.
Travel Medical Global Choice Seven Corners United Healthcare Provider Network $11 Seven Corners insurance ID cards via Client Zone
Safe Travels International Trawick International United Healthcare Provider Network $15 Trawick international insurance ID cards via Client Zone.

* The average cost of travel insurance for Schengen visa per week for 25 years old traveler.

Schengen visa letter in French

Patriot International Lite travel insurance plan that offers visa letter in French

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How do I get a certificate showing I have travel insurance when applying for a Schengen Visa?

To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:

  • Choose a Travel Insurance Provider: Select a travel insurance policy on American Visitor Insurance that meets the Schengen visa requirements (coverage of at least €30,000 for medical emergencies, including repatriation).
  • Buy the Insurance: Buy the policy on American Visitors Insurance online which provides Schengen-compliant travel insurance.
  • Receive the Certificate: After purchasing, you will receive a travel insurance certificate, which includes details like the policy number, coverage dates, and coverage amounts.
  • Download or Request the Certificate: You can download the certificate from the insurance provider. Ensure the certificate is issued in English or the official language of the country you’re applying to, and that it clearly meets the Schengen visa requirements.

What does Schengen visa travel insurance cover?

  • Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
  • Doctor visit: Schengen travel insurance covers Doctor visits in case of sudden injury or sickness.
  • Medical evacuation: Emergency medical evacuation expenses to nearest available facility if needed
  • Health care expenses: Covers emergency medical expenses for accidental injury or illness.
  • Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
  • Pre-existing conditions: Travel insurance offers coverage for acute onset of pre-existing conditions.

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Do US citizens need travel insurance for Europe?

US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of travel medical insurance with coverage up to 30,000 Euro (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries. The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage). US travelers travelling frequently to the Schengen countries can buy the Annual travel insurance for Schengen visa.
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Schengen medical insurance, Cheap Schengen travel insurance

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Schengen visa

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Long Term visa

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Schengen Visa Insurance or Europe Travel Insurance for Senior citizens

Best Travel insurance for older travelers visiting the Schengen countries

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  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Sent immediately after purchase
  • Does not offers coverage for pregnancy
  • Acute onset of pre-existing condition coverage is available within the age of 70
  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Available from client zone
  • Covers complications of pregnancy in the first 26 weeks of gestation
  • Acute onset of pre-existing condition coverage is available within the age of 79
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase
  • Covers Emergency Medical Treatment of Pregnancy
  • Covers unexpected recurrence of pre-existing conditions up to the age of 89 years
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase

#1  Policy Maximum is the maximum eligible medical expenses that the plan will cover.

#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

#3  Europe travel insurance for US residents Click here to read more »

Why should I buy Schengen visa insurance on American visitor insurance?

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Satisfy Schengen visa requirements to apply for visa

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Compare several plans to find what fits your needs best

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Travel medical insurance protection for health emergency

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Travel to Europe in peace with good insurance coverage

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What are the types of Schengen visas?

1. Schengen visa Type A

Non Schengen country citizens who are transiting through or waiting from a connecting flight in the international terminal in a Schengen nation airport is issued an A visa. It is also commonly known as the airport transit visa

2. Schengen visa Type B

The Schengen type B visa is for trips of less than five days and is with the qualifier “transit”.

3. Schengen visa Type C

  • A single-entry visa which entitles the visa holder to a single entry into the Schengen region.
  • A double-entry visa entitles the visa holder to two entries to the Schengen region during the visa’s periods validity.
  • A multiple-entry visa entitles the visa holder to as many entries and exits from the Schengen region as desired.

4. Long Stay visa or Type D Schengen visa

The following are valid reasons for the Type D Schengen visa : vacations or personal visits, work-related travel, study related travel, to participate in a training program, to complete an internship

Factors to consider while buying Schengen visa travel insurance

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Schengen travel insurance, Schengen health insurance - FAQ's

1. Which travel insurance is best for Europe?

There is no single Schengen travel insurance plan which will work best for all travelers to Europe. The best Schengen visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some Europe travelers will look for the cheapest Schengen visa insurance cost specifically to satisfy the Schengen visa requirements, others will look for the most comprehensive Schengen travel insurance coverage.

The price will be higher if you need health insurance for Europe travelers with pre-existing conditions. It is recommended to compare different low cost Schengen visa travel insurance plans based on price as well as the different benefits coverage options. Europe travelers should also read different Schengen travel insurance reviews before buying a Schengen visa travel insurance plan.

2. Is travel insurance necessary for Schengen visa? Is it mandatory to have medical insurance for Schengen visa?

Yes, Europe travel insurance is mandatory for applying for the Schengen visa according to Schengen agreement medical coverage by Consulates. The mandatory Schengen visa travel insurance requirement is a minimum coverage of 30,000 Euros. You can find the best insurance for Schengen visa on our website

3. How can I get Schengen visa medical insurance? How can one buy travel insurance Schengen visa?

Travelers to Europe applying for the Schengen visa can buy Schengen visa travel insurance on American Visitor Insurance. While it ironic to buy travel insurance for Europe on American Visitor insurance, we offer several international travel insurance plans that specifically satisfy Schengen visa requirements as mandated by Schengen state consulates. Our compare Schengen visa insurance quote facility lists a range of cheap travel insurance that satisfy Schengen visa insurance requirements. After buying the Schengen travel medical insurance on our website travelers can immediately download the required Schengen visa letter to be used while applying for the Schengen visa.

4. Who offers best travel insurance for Schengen visa? Who provides Schengen Travel Insurance? Which insurance provider is best for a Schengen visa?

We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate, offer comprehensive travel medical insurance coverage and zero deductible Schengen insurance coverage. The top insurance providers that offer popular Schengen visa insurance are International Medical Group Travel Insurance, Seven Corners Travel Insurance, WorldTrips Insurance and Trawick International Travel Insurance.

      

5. What is covered under Schengen travel medical insurance? What does Europe Travel Insurance policy usually cover?

Best travel medical insurance for Schengen visa covers the cost incurred from

  • Hospitalization expenses dues of sickness of injuries
  • Emergency medical evacuation
  • Repatriation of remains
  • Trip cancellation or interruption
  • Flight delay
  • Baggage delay or loss
  • Acute onset of pre-existing conditions
  • Maternity in first 26 weeks

6. How do I get cheap Schengen visa travel insurance? How to find cheap travel visa insurance for Europe?

The cheapest Schengen travel insurance is surely dependent on the travelers' requirements. The traveler will have to do research online to find the cheapest travel insurance for Schengen visa based on his or her requirements. It is advisable to compare cheapest travel medical insurance for Schengen visa before buying the cheap travel medical insurance for Schengen visa that satisfies Schengen consulate requirements.

7. Can I cancel my Schengen travel insurance?

Yes, you can cancel your Schengen travel insurance, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims.

If you need to cancel your Schengen travel insurance, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

8. Who must buy travel medical insurance for Schengen visa?

A traveler from any of the Schengen visa required countries visiting any of the Schengen country for less than 90 days is required to buy short term travel medical insurance to apply for Schengen visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Schengen countries for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.

What does travel insurance for Schengen visa usually not cover?

Travel health insurance for Schengen visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Schengen Visa insurance. These include:

1. Pre-existing medical conditions: Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.

2. Treatment for chronic illnesses: Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.

3. Non-emergency medical treatment: Schengen travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.

4. Extreme sports and adventure activities: Many Schengen Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.

5. Mental health conditions: Schengen visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.

Which is the cheap Europe travel medical insurance?

Schengen Travel insurance with 30,000 Euro coverage

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List of travel insurance companies for Schengen visa Europe from USA

You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.

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