Venice
A romantic city of gondolas, canals, St. Mark’s Square, and historic palaces, famous for its art and unique charm.
Schengen visa insurance satisfies consulate requirements.
Which Travel Insurance Should I Buy for Schengen Visa?
- Cheapest Schengen Visa Travel Insurance – Atlas International Insurance From $1 per day*
- Best Travel Medical Insurance for Schengen Visa – Patriot International Lite Meets Schengen visa requirements Most Popular
- Popular Schengen Visa Insurance – Safe Travels International From $18 per week*
- Best Pre-Existing Condition Coverage – Travel Medical Global Choice Acute onset coverage (under 79 yrs)
Do I Need Travel Insurance for Schengen Countries?
Yes. Travel insurance for Schengen visa is mandatory if you are applying for a Schengen visa. Your policy must meet Schengen visa travel insurance requirements, including:
- Minimum medical coverage required : €30,000 (approximately $50,000)
- Emergency medical expenses
- Hospitalization
- Medical evacuation
If you do not need a visa, travel insurance is optional but still highly recommended due to potential high medical costs for foreigners.
Who Needs to Apply Schengen Visa?
Before traveling to Schengen country, it is essential to purchase Schengen visa travel insurance to meet the visa requirements.
You need to apply for a Schengen visa:
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If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland.
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If you plan to stay in Schengen countries for up to 90 days within a 180-day period for tourism, business, or visiting family.
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Nationalities who needs a Schengen visa »
Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Schengen countries without a visa for short stays (usually up to 90 days).
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On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Schengen consulate for your visa application.
Once your Schengen visa travel insurance is purchased, you will receive the
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Insurance details with the toll-free number
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Virtual ID card - a digital insurance card you can access instantly on your phone—no physical card required.
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Instant Schengen visa insurance letter for your visa application, which serves as proof of coverage
What Are the Schengen Visa Travel Insurance Requirements?
Travelers who need a Schengen visa should buy travel insurance satisfying Schengen visa requirements:
- Travel insurance coverage of 30,000 Euros (~USD $35,000 as of February 2026)
- The policy must be valid in all 29 Schengen countries.
- Coverage for medical repatriation and emergency medical care.
- The policy must be valid for the entire duration of your stay in the Schengen Area.
- The policy should offer 100% coverage with no excess/deductible.
💡 Tip: Always carry a digital and printed copy of your policy, as you may be asked for proof at border checks or during visa processing.
Hassle-Free Schengen Visa Insurance Compliance
When you purchase your Schengen travel insurance through American Visitor Insurance, you don’t need to worry about meeting embassy requirements yourself. Simply enter your age and travel dates in our quote form, we automatically show plans that meet all Schengen visa insurance requirements, including minimum medical coverage and emergency evacuation benefits.
After purchase, you will instantly receive an official Visa Letter / Confirmation of Coverage from the insurance provider. This document verifies that your plan satisfies Schengen visa requirements and can be submitted with your visa application. You may also present it at immigration when entering any Schengen country as proof of valid travel medical insurance.
What Does Schengen Visa Travel Insurance Cover?
✔
Satisfies Visa requirements
🚑
Medical evacuation
Emergency medical evacuation expenses to nearest available facility if needed.
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Health care expenses
Covers emergency medical expenses for accidental injury or illness.
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Repatriation of Remains
Offers coverage for repatriation of remains expenses to home country in case of death.
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Coverage for Pre-Existing Conditions
Travel insurance offers coverage for acute onset of pre-existing conditions.
How Do I Get an Instant Schengen Visa Insurance Letter Required by Consulate?
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1) Enter Details & GET QUOTE
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2) Compare plans & BUY NOW
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3) Download VISA LETTER
- Schengen visa travel insurance can be purchased online quickly and easily to meet Schengen visa insurance requirements and consulate guidelines.
- Provide relevant information such as traveler age, travel dates, and total medical coverage required in the quote form. A list of cheap Schengen visa travel insurance plans, along with premium costs and medical coverage details, will be displayed instantly.
- Compare multiple Schengen visa insurance quotes and choose the cheapest travel insurance schengen visa that meets the €30,000 minimum medical coverage and repatriation requirements.
- The applicant can buy the best travel insurance for schengen visa by completing the online application and secure credit card payment.
- After purchasing Europe travel insurance valid for Schengen visa, the traveler will receive complete insurance policy details, including a toll-free emergency assistance number, a virtual insurance ID card, and an instant Schengen visa insurance letter.
- This visa insurance certificate for Schengen visa can be downloaded immediately and submitted to the Schengen visa Embassy or VFS Schengen as proof of travel medical insurance coverage for Schengen.
❌ What Are the Common Schengen Travel Insurance Mistakes Leading to Visa Rejection?
Avoid these common errors that lead to Schengen visa rejections:
Coverage Below €30,000
Schengen rules require minimum €30,000 medical coverage (approx. $50,000) (this includes emergency medical treatment & repatriation). Travel insurance for Europe policies with lower coverage than this €30,000 are automatically rejected.
Not Covering All Schengen Countries
The travel insurance must be valid in all 29 Schengen states. Some travelers buy country-specific insurance (e.g., only for Germany), which is not accepted in the Schengen states consulates.
Traveler insurance Not Covering Entire Stay
The Europe travel insurance policy must match the correct entry and exit dates. If your travel insurance for Europe ends even 1 day earlier than your return ticket, your Schengen visa application can be refused.
Buying Non-Schengen Compliant Plans
Some cheap travel for Europe plans exclude repatriation (return of remains in case of death) or exclude pre-existing emergency treatment. Schengen visa officers check for these exclusions carefully.
Unrecognized / Non-Approved Insurance Providers
Consulates prefer international insurance companies that are well recognized in the Schengen region. Unfamiliar or unapproved providers may cause rejection.
Submitting Fake or Cancelled Policies
Some travelers submit “dummy” insurance and cancel it after printing. Consulates cross-check this data, and if invalid, the visa is denied and can even lead to a travel ban.
Mismatch Between Travel Dates & Insurance Dates
Even a 1–2 day mismatch between flight booking and travel insurance validity can lead to rejection. It is recommended to add a buffer day before arrival and after departure.
Not Carrying Proof of Travel Insurance
Sometimes applicants forget to attach the Schengen visa compliant Travel insurance certificate with the application. Only payment receipt is not enough—you need the official Schengen visa travel insurance confirmation letter.
Top Travel Insurance Recommendations for Schengen Visa in 2026
Cheapest Schengen Visa Travel Insurance
Atlas International Insurance
$8/week*Schengen-compliant medical coverage
- Medical coverage: $50,000 – $2,000,000
- Emergency medical evacuation up to $1,000,000
- Acute onset of pre-existing conditions covered (up to 79 yrs)
- Repatriation of remains included
Best Travel Insurance for Schengen Visa
Patriot International Lite
$10/week*Balanced coverage for Europe travel
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $1,000,000
- Acute onset of pre-existing conditions covered (under 70 yrs)
- Repatriation of remains up to $50,000
Other Recommended Plans
Travel Medical Global Choice
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $500,000
- Acute onset of pre-existing conditions covered (under 79 yrs)
Starting at $10/week*
Learn More »Safe Travels International
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $1,000,000
- Unexpected recurrence of pre-existing conditions covered (up to 70 yrs)
Starting at $18/week*
Learn More »* Prices shown are indicative for a 7-day trip, $50,000 coverage, $0 deductible, 30-year-old traveler.
How Much Does Schengen Visa Travel Insurance Cost in 2026?
Europe Schengen travel insurance Cost in 2026Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible.
All the insurance plans listed below
- Meet Schengen visa requirements
- Are accepted by Schengen embassies/consulates worldwide
- Include a downloadable Schengen insurance visa letter immediately after purchase
| Insurance Plans | Provider Network | Cost | How to download Schengen Visa letter |
|---|---|---|---|
| Atlas International | No PPO | $8 | WorldTrips insurance ID cards via Client Zone |
| Patriot International Lite | IPA Network | $10 | IMG insurance ID cards from My IMG |
| Atlas Premium International | No PPO | $11 | WorldTrips insurance ID cards via Client Zone |
| Travel Medical Global Choice | Wellabroad.com | $11 | Seven Corners insurance ID cards via Client Zone |
| Safe Travels International |  |
$15 | Trawick International insurance ID cards via Client Zone. |
Source: American Visitor Insurance ®
Cheapest travel insurance for Schengen Visa
Review Schengen Visa insurance plan benefits.
Know more »
Which Is the Best Schengen Travel Insurance With Pre-Existing Conditions Coverage?
Travelers with existing health concerns often need more than basic Schengen visa insurance.
- At American Visitor Insurance, we offer best Schengen travel insurance with pre-existing condition coverage, including top-rated options such as Travel Medical Global Choice Insurance and Safe Travels International, both providing premium benefits and acute onset protection.
- For budget-friendly choices, the cheapest travel insurance for Schengen visa includes Atlas International and Patriot International Lite Insurance, offering affordable coverage while still meeting all Schengen visa requirements.
Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.
Atlas International: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
- Acute Onset of Pre-Existing Condition Coverage: Covers up to the overall maximum limit for travelers under age 80.
- Emergency Medical Evacuation: Up to $25,000 lifetime maximum.
- Cost Example: A 25-year-old travelerpays about $8 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Patriot International Lite: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
- Acute Onset of Pre-Existing Condition Coverage:
- Age 64 and under without primary health plan: Maximum limit $20,000
- Age 64 and under with primary health plan: Up to the period-of-coverage limit
- Age 65 through 69: Maximum limit $2,500
- Cost Example: A 25-year-old traveler pays about $10 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Travel Medical Global Choice Insurance: Best Schengen visa medical insurance for seniors with robust medical protection and acute onset pre-existing condition coverage, including cardiac issues, for travelers up to age 79
- Acute Onset of Pre-Existing Condition Coverage:
- 14 days to 64 years old: Up to $50,000
- 65 to 79 years old: Up to $10,000
- 80 years and older: Not Available
- Cost Example: A 25-year-old traveler pays about $11 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Safe Travels International: Premium-quality Schengen visa health insurance with pre-existing coverage designed for international travelers offering strong medical protection.
- Includes coverage for unexpected recurrence of a pre-existing condition
- Up to $2,500 for travelers up to age 69.
- Not available for ages 70+.
- Enhanced emergency coverage for cardiac or stroke-related events for senior travelers age 70 and above.
- Cost Example: A 25-year-old traveler pays about $15 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
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 travel insurance requirements.
Schengen Visa Travel Insurance for Europe Visitors
The Schengen Agreement, first signed on June 14, 1985 by five European Union members , has now expanded to include 29 European countries with a combined population of over 450 million. These countries have officially removed border controls, allowing international travelers to move freely across their mutual borders.
If you plan to visit Europe, having the right Schengen visa travel insurance is mandatory. While American Visitor Insurance is best known for travel insurance to the USA, we also provide affordable travel insurance for Europe designed to meet all Schengen visa insurance requirements.
List of travel insurance companies for schengen visa USA
We work with leading providers offering Schengen-compliant medical insurance for international travelers:
These plans meet the Schengen visa insurance requirements, including the mandatory €30,000 coverage for medical expenses, emergency care, and repatriation. They are available for travelers of all nationalities, including those applying for a Schengen visa from the USA.
Best Schengen Visa Travel Insurance Reviews
Know more »
How Can I Buy the Best Travel Insurance for Schengen Visa?
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1: Find the Best Plans
Complete the Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
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2: Compare Travel Insurance Plans
Compare the price and the benefits of the different Schengen visa insurance options to identify what fits your needs best.
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3: Buy Your Preferred Travel Insurance Plan Online
Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
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4: Review Policy Details Before Traveling
Review the insurance documents & download visa letter is required.Compare Schengen Visa Travel Insurance
Atlas International
Insurance
Per Month
- 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
Patriot International Lite
Insurance
Per Month
- 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
Safe Travels International Insurance
Per Month
- 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
Travel Medical Choice Insurance
Per Month
- Policy Maximum#1
- Deductible#2
- Europe visa letter
Sent immediately after purchase
shopping_cart Purchase Now
Not Available in#3
Maryland, Washington, New York, South Dakota, Colorado.....
Maryland, Washington, New York, South Dakota, Colorado.....
#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 »Real-Life Scenarios for Schengen Visa Insurance
Medical Emergency in Copenhagen
Severe food poisoning while exploring street food markets. Insurance covers hospital treatment and medical expenses without financial stress.
Ski Accident in Aarhus
A broken leg during a winter ski trip. Coverage includes surgery, hospitalization, and medical evacuation if needed.
Lost Luggage at Copenhagen Airport
Delayed luggage during transit. Insurance reimburses essential clothing and toiletries.
Flight Cancellation Due to Weather
Flight canceled due to heavy snow. Trip cancellation coverage reimburses hotel stays and rebooking fees.
Emergency Dental Care in Odense
Sudden toothache requiring urgent treatment. Emergency dental costs are covered.
COVID-19 Quarantine Costs
Mandatory hotel quarantine after a positive test. Insurance helps cover medical consultations and quarantine expenses.
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. Where Can I Buy the Best Schengen Visa Medical Insurance?
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.
9. Can I apply for a Schengen visa if my passport expires in two months?
No, you cannot apply for a Schengen visa if your passport expires in just two months. One of the strict requirements for a Schengen visa is that your passport must be valid for at least three months beyond your intended date of departure from the Schengen Area, and it should also have been issued within the last ten years with at least two blank pages available. If your passport expires in two months, even if your trip is short, the consulate will reject your application because it does not meet the minimum validity requirement. In this situation, you should first renew your passport and then apply for the visa, as this will ensure your application is accepted for processing.
10. Can I travel to multiple Schengen countries with one Schengen visa?
Yes, the standard Schengen visa allows you to travel between all 29 Schengen member countries as long as you don’t exceed the maximum stay period of the visa.
11. When is the best time to book an appointment for my Schengen visa application?
Earliest You Can Apply
- Up to 6 months before your travel date (9 months for seafarers).
- This is especially helpful if you’re traveling during busy tourist seasons (summer or Christmas).
Latest You Should Apply
- At least 15 calendar days before travel (this is the legal minimum).
- But embassies strongly recommend applying 3–4 weeks before travel to avoid last-minute issues.
Ideal Timing
- 6 weeks to 2 months before travel → This balances processing time, document prep, and appointment availability.
- Some consulates (France, Spain, Italy, Germany) have long appointment waiting lists, so booking early is key.
12. How do I know if my travel insurance for Europe will be accepted for a Schengen visa?
The plans available on American Visitor Insurance satisfy Schengen visa requirements. Here’s a simple guide to show you the kind of insurance that gets approved versus the mistakes that often lead to rejections:
| Visa-Friendly Insurance | Risky Insurance Choices |
|---|---|
| Starts on the exact date of departure | Starts after arrival in Schengen |
| Comes with an official PDF certificate showing policy number & coverage dates | Only a screenshot or incomplete confirmation email |
| Clearly states “Schengen Area” coverage + repatriation clause | Missing repatriation, hospitalization, or territorial coverage wording |
| Provides minimum €30,000 ($50,000) medical coverage | Coverage is below €30,000 (or $50,000) or not specified |
| Certificate available in English | Certificate only in a non-EU language without translation |
Always double-check that your Europe travel insurance certificate clearly mentions the Schengen Area, and meets the €30,000 ($50,000) minimum coverage amount, territory (Schengen Area), and dates that match your full trip before submitting your visa application. The Schengen travel plans on American Visitor Insurance satisfy Schengen visa requirements.
Schengen Visa Travel Insurance Reviews
See what travelers are saying about their insurance experience for Schengen Visa. Real reviews from real visitors.
Karen
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Margaret
"Thank you for your prompt response. Your prompt response will be highly appreciated."
Connie
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
How Do I Apply for a Schengen Visa?
To apply for a Schengen Visa Insurance, 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.
What Is the Best Travel Insurance for Seniors Vacationing in Schengen Visa?
The best travel insurance for seniors vacationing in Schengen visa depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.
Seniors under 70
- Atlas International Insurance – which costs about $170 per month.
- Flexible coverage: buy only for the days you need.
Seniors under 80
- Patriot International Lite Insurance – Affordable option at about $270 per month.
- Provides full medical and emergency coverage abroad.
Seniors over 80
- Safe Travels Outbound Insurance – which costs about $670 per month.
- Best choice for US seniors if you need at least $50,000 coverage (required for a Long-Term Europe visa).
All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.
💡 Tip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements. If you don’t need to meet those requirements, you can lower the cost by choosing a higher deductible.
Europe Travel Insurance for Seniors Citizen
Insurance for older travelers for visiting the Schengen countries
Know more »
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
- Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
- Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
- Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
- Expert Support & Assistance: Our licensed customer support team is available 24/7 to
- Guide you through plan selection and online applications
- Help with policy renewals or extensions
- Assist with cancellations if travel plans change
- Support filing insurance claims
- Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Factors Influence the Cost of Best Travel Insurance to Schengen Visa?
The cost of Schengen visa health insurance for travelers depends on the following:
- Age of the traveler: The older the traveler, the more expensive the cost of travel health insurance for Schengen visa.
- The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
- The selected deductible: A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
- The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Schengen visa will have the highest co-insurance.
- The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
Tip: While the cheapest plan may save money upfront, it’s important to balance affordability with adequate protection—especially for medical emergencies abroad.
Are you traveling as a Group?
Get a discount on the Best Group Travel Insurance for Schengen Visa
What Is Europe Medical Insurance for Schengen Visa?
What Are the Different Types of Schengen Visas?
| Visa Type | Description | Duration / Notes | Subtypes (if any) |
|---|---|---|---|
| Schengen Visa (Type C) | Short-term visa for travel and stay in Schenghen countries and the Schengen area. | Up to 90 days within a 180-day period | Single-entry, Double-entry, Multiple-entry |
| National Visa (Type D) | Long-stay visa for stays in Schenghen countries exceeding 90 days. Issued under national legislation. | Long-term; Examples: student visas, work visas, residence permits | None |
| Airport Transit Visa (Type A) | Allows transit through the international transit area of Schenghen airport without entering the country. | Required for certain citizens connecting through Schenghen countries to a non-Schengen destination | None |
| Transit Visa (Type B) | Allows transit through Schenghen countries to reach a final destination outside the Schengen area. | Valid for a maximum of 5 days | None |
What Are the Documents Required for Schengen Visa?
- Completed and signed application form
- Valid Passport
- Photographs that are taken recently
- Documents of travel itinerary
- Confirmation of health insurance coverage for Schengen visa
- Closed round trip ticket
- Current bank statement
- Schengen visa insurance letter
What is the new travel authorization ETIAS requirement for US citizens traveling to Schenghen countries?
US citizens traveling to Schenghen countries should apply for ETIAS (European Travel Information and Authorization System).
- ETIAS is not a visa, but a pre-travel clearance, similar to the US ESTA (Electronic System for Travel Authorization).
- It allows short stays of up to 90 days within a 180-day period for tourism, business, or transit.
- The application is completed online and is usually approved quickly.
⚠️ Important: While ETIAS itself does not mandate travel insurance, it is strongly recommended to buy Schenghen travel insurance on American Visitor Insurance, as most US health insurance plans do not provide coverage outside USA..
Do US Citizens Need a Visa for Schenghen Countries?
US citizens are advised to buy Schenghen travel insurance even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days and need a travel visa.
Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Schenghen countries.
Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.
Do U.S. Citizens Need a Long-Term Schengen Visa 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 medical insurance with medical expenses coverage up to €30,000 (~USD $35,000 as of February 2026) 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).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs.
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Do US Green Card Holders Need Schengen Visa?
Yes, US Green Card holders may need a visa to travel to Schengen, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Schengen is required while applying for a Schengen visa. US Green Card Holders can buy travel insurance to satisfy Schengen visa requirements for their visa application on American Visitor Insurance.
Which Is the Best Schengen Travel Insurance for US Seniors With Medicare?
- US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
- Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
- Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.
🌏 GlobeHopper Travel Insurance for Older US Travelers Visiting Schengen Countries
- US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
GlobeHopper Senior Single-Trip
Coverage: 5 days to 365 days
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineGlobeHopper Senior Multi-trip
Coverage: 12 months total, up to 30 days per trip.
description Plan details | picture_as_pdf Brochure | shopping_cart Buy online- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
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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:
⚕️ 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 condition, any related treatment may not be covered.
💊 Treatment for chronic illnesses
Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses such as diabetes or heart disease. Travelers needing long-term care should look for specialized insurance coverage.
🏥 Non-emergency medical treatment
Schengen travel insurance is designed for emergencies. It typically does not cover routine check-ups, vaccinations, or elective procedures.
🏄♂️ Adventure and extreme sports
Many Schengen Visa health insurance plans exclude coverage for high-risk activities such as bungee jumping, skiing, or scuba diving. If you plan to join such activities, consider additional adventure sports coverage.
🧠 Mental health conditions
Most Schengen Visa insurance policies do not include coverage for mental health conditions like anxiety or depression. Specialized plans may be needed for such care while abroad.
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