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Cheapest travel insurance for Schengen Visa

American Visitor Insurance offers cheapest Schengen visa insurance plans offered by leading US insurance providers. These plans meet all mandatory Schengen visa requirements, including at least €30,000 in medical coverage, along with emergency evacuation and repatriation of remains.

To help you choose the cheapest Schengen travel insurance plan, our platform includes user-friendly filters based on important features like evacuation coverage, pre-existing condition coverage, and trip interruption. This makes it easy to find a policy that fits your travel needs.

After finding the best plan for your needs, you can compare features, get instant quotes, and buy the policy quickly. Most of our plans also provide a downloadable visa letter for your Schengen visa application, helping you complete the process easily.

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Which is the best travel insurance for a Schengen Visa?

Available plans

worldtrips logo Atlas International Insurance

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star Rating: AM Best A++ (Superior) edit_square Underwriter: Lloyds, London
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct billing: No provider network
  • Acute onset of pre-existing condition: Up to the overall maximum limit
  • Emergency medical evacuation: Up to $1,000,000
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent care : 15 per incident; no copayment if deductible is $0
  • Adventure sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
  • Optional add-on benefits
  • Trip interruption:Up to $10,000
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Equal to the elected overall maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

IMG logo Patriot International Lite Insurance

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star Rating: AM Best "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct billing: Through IPA Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent care : $25 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: $100,000 maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 364 days

worldtrips logoAtlas Premium International Insurance

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star Rating: AM Best A++ (Superior) edit_square Underwriter: Lloyds, London
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct billing: No Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent care : 15 per incident; no copayment if deductible is $0
  • Adventure sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
  • Renewable: Can be renewed and extended up to 364 days
  • Trip interruption:Up to $15,000
  • Repatriation of Remains: Equal to the elected overall maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

IMG logoPatriot International Platinum Insurance

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct billing: Through IPA Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to maximum limit
  • Urgent care : $25 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains:Up to overall maximum limit
  • Policy maximum?
    $1,000,000,$2,000,000, $5,000,000, $8,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000

  • Period of coverage?
    5 days to 364 days

Seven Corners logoTravel Medical Global Choice

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star Rating: AM Best "A (Excellent)" edit_square Underwriter: Crum & Forster SPC
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Plan pays 100% up to $500,000
  • Urgent care : URC to medical maximum
  • Trip interruption:Up to $5,000
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $500,000
  • Policy maximum?
    $50,000, $100,000, $500,000 $1,000,000

  • Deductible options?
    $0, $100, $250, $500,$1,000, $2,500

  • Period of coverage?
    5 days to 364 days

Trawick International logoSafe Travels International

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star Rating: AM Best "A" edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Acute onset of pre-existing condition: $20,000 up to age 65 and $10,000 over age 65.
  • Emergency medical evacuation: Up to maximum limit
  • Urgent care : Covered
  • Trip interruption:Up to $7,500
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $1M
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500,$1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

Why do you need travel insurance for a Schengen Visa?

Travel insurance is a mandatory requirement for anyone applying for a Schengen visa as it is mandated by Schengen state consulates. Schengen visa insurance is designed to provides essential protection in case of unexpected medical emergencies, accidents, trip interruptions, or lost baggage while traveling within the Schengen Area.

To meet Schengen visa requirements, your travel insurance must:

  • Offer a minimum medical coverage of €30,000, including emergency medical treatment and repatriation.
  • Be valid for the entire duration of your stay in the Schengen Zone.
  • Provide coverage that is valid across all Schengen countries.

Having the right Schengen travel insurance fulfils visa rules while also providing peace of mind throughout your trip.

How much does Schengen Visa travel Insurance Cost?

Schengen visa travel insurance cost ranges from $8 to $15 per week, depending on the traveler’s age, duration of stay, and level of coverage selected. At American Visitor Insurance, travelers can easily compare multiple insurance plans from top-rated providers to find the most affordable and suitable option. Whether you're looking for basic emergency medical coverage or more comprehensive benefits including COVID-19 protection and coverage for pre-existing conditions, American Visitor Insurance offers flexible plans that meet Schengen visa requirements, including a downloadable visa letter for immediate use.

Plan name Provider Network Pre-existing condition How to download visa letter Cost
Atlas International No PPO Acute on set of pre-existing conditions up to 79 years WorldTrips insurance ID cards via Client Zone $8
Patriot International Lite IPA Network Acute on set of pre-existing conditions up to 70 years IMG insurance ID cards from My IMG $10
Travel Medical Global Choice Wellabroad.com Acute on set of pre-existing conditions up to 79 years Seven Corners insurance ID cards via Client Zone $11
Safe Travels International First health care Unexpected recurrence pre-existing up to 69 years Trawick international insurance ID cards via Client Zone. $15
Atlas International Premium No PPO Acute on set of pre-existing conditions up to 79 years WorldTrips insurance ID cards via Client Zone $11

How to find the cheapest travel insurance for a Schengen Visa?

Finding low-cost travel insurance for your Schengen visa is easy:

  • Filter Plans: Use our search filters to sort plans by your budget and specific coverage needs.
  • Compare Options: Review detailed benefits, coverage limits, and exclusions to see what each plan offers.
  • Get Instant Quotes: Quickly generate quotes to compare prices and find the best value.
  • Buy Online: Once you find the right plan, buy your plan online at American Visitor Insurance in just a few steps.

What does Schengen Visa insurance cover?

  • Medical Expenses: Coverage for treatment in case of illness or injury during your trip.
  • Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
  • Emergency Medical Evacuation: Repatriation costs or emergency evacuation to the nearest medical facility.
  • Trip Interruption: Coverage for unforeseen interruptions due to emergencies.
  • Baggage Loss or Delay: Compensation for lost or delayed luggage

Why choose American Visitor Insurance for your Schengen Visa?

  • Competitive Prices: Affordable plans that meet Schengen visa requirements.
  • Trusted Providers: Insurance from top U.S. providers.
  • Easy Online Process: Compare, get quotes, and buy your policy easily online.
  • 24/7 Customer Support: Our team is here to help you find the best insurance for your needs.

Start your Schengen journey today with the most affordable travel insurance. Secure your coverage now and travel with peace of mind.

What are the differences between Schengen Visa insurance and having no travel insurance?

Feature With Schengen Visa Travel Insurance Without Schengen Visa Travel Insurance
Visa Requirement Insurance is mandatory for Schengen visa application. Visa application may be rejected without valid travel insurance.
Medical Coverage Covers medical expenses, hospitalization, and emergency medical evacuation. No medical coverage in case of illness or injury.
Repatriation Covers repatriation costs if you need to return to your home country due to illness or death. No coverage for repatriation; you're responsible for the costs.
Trip Cancellation & Interruption May reimburse you for trip cancellation or interruption due to unforeseen circumstances. No coverage for cancellations or interruptions.
Lost or Delayed Baggage Covers compensation for lost or delayed baggage. No coverage for lost or delayed baggage.
Claim Process Easy claims process with 24/7 customer support. No claims process available.
Visa Approval Increases the likelihood of visa approval as insurance is a required document. Visa application may be denied due to lack of insurance.
Emergency Assistance 24/7 emergency assistance for medical, legal, or other urgent situations. No access to emergency assistance in case of need.
Natural Disaster Coverage Coverage for trip disruptions or cancellations due to natural disasters. No coverage for trip cancellations due to natural disasters (earthquakes, floods, etc.).
Loss of Passport or Documents Coverage for lost or stolen passports/documents with assistance in replacement. No assistance for lost or stolen passports or documents.
Extension of Coverage Can extend coverage if your trip is prolonged. No coverage extension available; you would need to buy a new policy.
Travel Delay Compensation Provides compensation for travel delays (hotels, meals, transport). No compensation for travel delays, leaving you to bear the extra costs.
Peace of Mind Provides financial protection and reassurance during your trip. Higher risk and uncertainty in case of emergencies or unforeseen events.

Who needs Schengen Visa insurance?

If you are a citizen of a country that requires a visa to enter the Schengen Zone, you must submit proof of compliant travel insurance as part of your visa application. This applies to:

  • Tourists and short-term visitors
  • Business travelers
  • Students or scholars attending programs in Europe
  • Family or friends visiting Schengen country residents

What documents will I receive after purchasing Schengen Visa travel insurance?

Once you complete your purchase of Schengen travel insurance online, you will instantly receive the following documents via email:

  • Confirmation of coverage (PDF format)
  • Visa letter that meets Schengen consulate/embassy requirements
  • Policy wording detailing the terms and conditions
  • Insurance ID card for emergency reference during your trip

How can I save money on Schengen Visa travel insurance?

Here are a few practical tips to help reduce the cost of your Schengen visa insurance while still meeting all requirements:

  • Buy Early: Purchasing insurance soon after booking your trip can often result in better pricing.
  • Compare Plans: Use comparison tools on American Visitor Insurance to find cheap plans that offer required coverage.
  • Select the Right Coverage: Avoid paying for unnecessary add-ons. Choose coverage that fits your travel needs.

These strategies can help you find cost-effective insurance without compromising on the protection you need for your Schengen trip.

Which countries are covered by Schengen Visa insurance?

All our Schengen visa insurance plans are valid throughout the entire Schengen Zone. This includes the following countries:

  • Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

These plans meet the requirements for entry and are accepted by embassies and consulates of all Schengen member states.

Schengen Visa insurance - Frequently asked questions

1. Can I buy Schengen visa insurance online?

Absolutely! You can quickly purchase Schengen visa insurance online from a range of travel insurance providers. The process is fast and straightforward, and you’ll receive your policy document immediately, which you’ll need for your visa application.

2. What happens if I don’t have Schengen visa travel insurance?

Without travel insurance, your Schengen visa application is likely to be rejected. Insurance is a mandatory requirement for obtaining a Schengen visa, and failing to provide proof of sufficient coverage can lead to a visa denial.

3. Can I extend my Schengen visa insurance if my trip is extended?

Yes, you can extend your Schengen visa insurance if your travel plans change. Simply inform your insurance provider and update your coverage to match the new length of your stay.

4. How do I claim insurance during my Schengen trip?

In case of an emergency, reach out to the insurance company’s 24/7 helpline. You’ll need to provide details of the incident along with any necessary documentation, such as medical bills or proof of expenses, to process your claim.

5. How much coverage do I need for Schengen visa insurance?

You need a minimum of €30,000 in coverage for medical expenses, including hospitalization, repatriation, and emergency medical evacuation, for the entire duration of your stay in the Schengen Area.

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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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