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Schengen travel insurance 30,000 Euro

For international tourists visiting the Schengen countries, the Schengen state consulates have made it mandatory for travelers applying for the Schengen visa to buy travel insurance Europe 30000 euro coverage to insure medical expenses and medical evacuationin the case of any sickness or an accident.

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Schengen visa travel insurance 30000 euro

What is a Schengen Visa?

A Schengen Visa is a short-stay visa that allows travelers to visit countries within the Schengen Area for up to 90 days within a 180-day period for purposes such as tourism, business, or family visits.

The Schengen Area includes most European countries where internal borders have been abolished, allowing free and unrestricted movement between member states.

To apply for a Schengen Visa, travelers must submit a completed application form along with supporting documents such as:

  • Valid passport
  • Recent photographs
  • Travel itinerary
  • Proof of accommodation
  • Schengen Visa travel insurance with at least €30,000 coverage
Schengen visa travel insurance 30000 euro

At American Visitor Insurance, we provide multiple Schengen Visa insurance plans for both U.S. citizens and non-U.S. citizens traveling to Europe. Travelers can compare insurance plans from top providers and choose a plan that meets Schengen Visa requirements.

Who Needs to Apply for 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:

  • If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland
  • If you plan to stay in Schengen country for up to 90 days within a 180-day period for tourism, business, or visiting family.
Nationalities who needs a Schengen visa »

⚠️ Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

How Do I 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.

How to Choose the Right Travel Insurance for a Schengen Visa?

  • Meet Schengen Requirements: Make sure the plan provides at least €30,000 (Around $50,000) medical coverage, including emergency medical evacuation and repatriation.
  • Check Pre-Existing Coverage: Look for plans that cover acute onset of pre-existing conditions, especially for older travelers.
  • Consider Extra Benefits: Trip interruption, baggage loss, and travel delay protection can add peace of mind.
  • Compare Costs & Flexibility: Choose a policy maximum and deductible that balance affordability with sufficient protection.

Why Is €30,000 Travel Insurance Required for a Schengen Visa?

The Schengen visa requires travelers to have at least €30,000 in travel insurance to ensure that you are covered in case of medical emergencies, hospitalization ,or repatriation while in the Schengen Area. This requirement protects both the traveler and the host countries

  • Covers Emergency Medical Costs : Healthcare in Europe can be extremely expensive, especially for unexpected accidents or serious illnesses. The €30,000 minimum ensures that you can receive adequate treatment without financial hardship.
  • Ensures Repatriation : In the event of a severe illness or death, the insurance covers transportation back to your home country. This prevents a burden on local health systems or governments.
  • Fulfills Schengen Visa Rules : Consulates require proof of sufficient coverage before issuing a visa. Without it, your application will likely be rejected.
  • Peace of Mind for Travelers : Beyond visa compliance, it guarantees that you can travel safely without worrying about costly emergencies.

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 $35,177 as of October 2025)
  • 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.
library_books Procedure to get the Schengen visa application letter!

Which Is the Cheapest Schengen Visa Travel Insurance?

The cheapest Schengen visa insurance is Atlas International Insurance plan, starting at just $1 for a day. Schengen visa travel insurance cost depends on factors, such as the provider, the length of stay, age of the applicant, and the level of coverage required. It is advisable to compare the benefits of cheapest Schengen travel insurance before buying a plan that meets Schengen consulate requirements.

Which Are the Best Travel Insurance Plans for Schengen Visa?

Flexible and affordable coverage that meets Schengen visa requirements, including medical care and emergency evacuation.
Policy Maximum?
$50,000 - $2,000,000
Medical Evacuation?
Up to $1,000,000
Pre-existing coverage?
Acute onset covered up to policy maximum (upto 79 yrs)
Repatriation of Remains?
Equal to the elected overall maximum limit.
Starting at
$8/week*
Buy Online »
Affordable coverage for medical emergencies and travel mishaps in Europe.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
Up to $1,000,000
Pre-existing coverage?
Acute onset covered up to policy maximum (under 70 yrs)
Repatriation of Remains?
Up to $50,000
Starting at
$10/week*
Buy Online »
Comprehensive medical protection for stress-free European travel.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
Up to $500,000
Pre-existing coverage?
Covers Acute onset of pre-existing conditions under 79 years
Repatriation of Remains?
Up to $50,000
Starting at
$10/week*
Buy Online »
Best travel insurance for medical and trip emergencies across the Schengen Area.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
100% up to $1,000,000
Pre-existing coverage?
Unexpected recurrence of a pre-existing condition upto 70 years
Repatriation of Remains?
Up to $500,000
Starting at
$18/week*
Buy Online »

* The price shown is for a 7-day trip with a $50,000 maximum coverage and a $0 deductible for a 30-year-old traveler.

How Much Does Schengen Visa Travel Insurance Cost?

Europe Schengen travel insurance Cost in 2025

Schengen 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 visa letter immediately after purchase
Insurance Plans Provider Network Cost How to download 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 United Healthcare Provider Network $15 Trawick International insurance ID cards via Client Zone.

Source: American Visitor Insurance ®

What Does Schengen Visa Travel Insurance Cover?

  • Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
  • 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.

Schengen Visa Travel Insurance Reviews

Reviews, Ratings and Experiences from our customers

Karen

Karen

"I am always appreciating good business conduct and when I am coming back here for the longer time span."

Margaret

Margaret

"Thank you for your prompt response. Your prompt response will be highly appreciated."

Connie

Connie

"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."

What Factors Influence the Cost of €30,000 Travel Insurance for Schengen Countries?

The cost of travel insurance with €30,000 medical coverage for the Schengen Area depends on several important factors:

👵 Traveler’s Age

  • Older travelers generally pay higher premiums.
  • Younger travelers typically enjoy lower rates.

💰 Coverage Amount

  • €30,000 is the minimum required for a Schengen visa.
  • Policies with higher coverage limits (e.g., €50,000 or €100,000) will increase the premium.

💰 Deductible (Excess)

  • The deductible is the amount you pay before the insurance begins covering medical expenses.
  • Most plans offer options from $0 up to $2,500.
  • Lower deductibles mean higher premiums; higher deductibles reduce the upfront cost.

🤝 Co-insurance

  • Co-insurance is the percentage of medical costs you pay after the deductible.
  • Plans with higher co-insurance are cheaper upfront but increase your out-of-pocket expenses if you need care.

🏢 Insurance Provider

  • Different insurers (WorldTrips, IMG, Trawick International) charge different premiums.
  • Some providers include added benefits like 24/7 assistance, fast claim processing, or trip interruption coverage.

What Are the Popular Tourist Destinations in Europe?

Venice travel insurance

Venice

A romantic city of gondolas, canals, St. Mark’s Square, and historic palaces, famous for its art and unique charm.

Paris travel insurance

Paris

Paris, France's capital, is a major European city and a global center for art, fashion, gastronomy and culture.

Amsterdam travel insurance

Amsterdam

There's more to Amsterdam than its notorious coffee shop culture and Red Light District. Spend the day biking along the city's canals and stylish streets.

Schengen travel insurance 30000 euro medical coverage - FAQ’s

1. What expenses are typically covered under a 30,000 euro travel insurance policy?

A 30,000 euro travel insurance policy typically covers a range of expenses, including but not limited to:

  • Trip cancellation or interruption costs
  • Emergency medical and hospitalization expenses
  • Medical evacuation and repatriation
  • Lost, stolen, or damaged baggage and personal belongings
  • Trip delay or missed connection expenses
  • Emergency travel and accommodation arrangements
  • Personal liability for accidental injury or property damage caused to others
  • Legal assistance and related expenses

It's important to read the policy wording and understand the specific coverage details and exclusions provided by the insurance company.

2. Can I buy insurance after reaching Europe?

No. Insurance must be purchased before travel and proof is required for the visa application.

3. Will a €30,000 plan be enough?

Yes for visa approval, but for peace of mind, many travelers opt for €50,000–€100,000 coverage.

4. Do I need separate insurance for each country?

No. One Schengen-compliant policy covers all 27 member countries..

5. What if my trip extends beyond the policy duration?

Some insurers allow extension before policy expiry. Always buy coverage for the entire planned duration.

6. Is dental treatment covered?

Only emergency dental treatment is usually included. Routine dental is not covered.

7. Does travel insurance with 30,000 euro coverage include pre-existing medical conditions?

The coverage for pre-existing medical conditions can vary among insurance providers and policies. Some travel insurance plans may offer coverage for pre-existing conditions, while others may exclude them. It is important to compare the different travel insurance plans for Europe on American Visitor Insurance’s Schengen visa insurance compare engine or contact our licensed agents to understand the coverage and any limitations or requirements regarding pre-existing conditions.

8. Can I increase the coverage amount beyond 30,000 euros if needed?

Yes, many travel insurance providers offer options to increase the coverage amount beyond the standard limits. If you require higher coverage, you can often choose a policy with a higher maximum limit or consider adding supplemental coverage options to meet your specific needs. However, note that higher coverage limits will come with additional premiums.

9. Are adventure sports and activities covered under a 30,000 euro travel insurance policy?

Adventure sports and activities may or may not be automatically covered under a 30,000 euro travel insurance policy. Some insurers include coverage for certain adventure sports as part of their standard policies, while others may require you to add optional coverage specifically for these activities. It's important to check the policy details on American Visitor Insurance for any exclusions related to adventure sports to ensure you have the necessary coverage.

10. What steps should I take if I need to make a claim under my 30,000 euro travel insurance policy?

If you need to make a claim under your travel insurance policy, follow these general steps:

  1. Contact your insurance provider: Notify your insurance company as soon as possible, following the claim procedures provided in your policy documents.
  2. Gather documentation: Collect all necessary documentation to support your claim, such as receipts, medical reports, police reports (in case of theft), or any other relevant proof of loss or expenses.
  3. Complete claim forms: Fill out the claim forms provided by your insurance company accurately and provide all the requested information.
  4. Submit the claim: Send the completed claim forms and supporting documents to your insurance provider within the specified time frame.
  5. Follow up: Keep records of all communication with the insurance company and follow up on the progress of your claim if necessary.

Remember to familiarize yourself with the specific claims process outlined in your policy and adhere to any deadlines or requirements set by the insurance company.

11. Why do I need travel insurance for Schengen visa?

Travel insurance with 30,000 Euro coverage is a mandatory requirement for obtaining a Schengen visa. The Schengen visa insurance offers the following coverage:

  1. Emergencies: Travel insurance provides coverage for medical emergencies that may occur during your stay in the Schengen area. It ensures that you have financial protection in case you need medical treatment, hospitalization, or emergency medical evacuation. The insurance coverage must meet the minimum requirements specified by the Schengen visa regulations.
  2. Healthcare Costs: The Schengen countries have a high standard of healthcare, but medical expenses can be quite expensive. Having travel insurance helps cover these costs, including doctor's visits, medications, and hospitalization, so you don't have to bear the financial burden yourself.
  3. Repatriation of Remains: In unfortunate circumstances where a traveler passes away during their visit to a Schengen country, travel insurance covers the costs of repatriating the remains to their home country.
  4. Travel Cancellation or Interruption: Travel insurance also provides coverage for trip cancellation or interruption due to unforeseen circumstances, such as illness, injury, or a death in the family. This coverage helps protect your travel investment by reimbursing non-refundable expenses, such as flight tickets and hotel reservations.
  5. Travel Assistance: Travel insurance often includes 24/7 travel assistance services. In case of emergencies or unforeseen events, such as lost passports, legal issues, or emergency evacuations, you can contact the insurance provider's assistance helpline for guidance and support.

The Schengen countries require proof of travel insurance while issuing the Schengen visa as a way to ensure that visitors have adequate financial protection during their stay. It gives both the traveler and the host country peace of mind by mitigating potential risks and liabilities.

12. Is travel insurance necessary for Schengen visa?

Yes, Europe travel insurance is mandatory for applying for the Schengen visa according to Schengen state consular requirements. The Schengen visa travel insurance requirement is a minimum coverage of 30,000 Euros. Compare and buy cheapest travel insurance for schengen visa.

13. How can I get travel medical insurance for Schengen visa?

Travelers to Europe who are applying for the Schengen visa can buy Schengen visa travel insurance on our website. Our Schengen visa travel insurance quote facility lists the travel insurance that satisfy Schengen visa consulate requirements. Once you complete buying the policy online, you can download the required Schengen visa letter which you can submit while applying for the Schengen visa.

14. How much is 30000 euro travel insurance cost for Schengen Visa?

The cost of 30000 Euro 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 medical insurance coverage required, the greater will be the cost. The schengen travel insurance 30000 euro insurance application quote facility on our website lists the travel insurance that satisfy 30000 euro travel insurance cost for Schengen visa consulate requirements.

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 Is Europe Medical Insurance for Schengen Visa?

Schengen Travel Insurance With 30,000 Euro Coverage

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