Travel Insurance for Schengen Visa from China 2026

Which Is the Best Schengen Travel Insurance for Chinese Citizens?

• Cheapest Schengen Visa Insurance – Atlas International from $8/week* ($50,000 coverage, $0 deductible)
• Best Value Schengen Insurance – Patriot International Lite $10/week* + IPA provider network Most Chosen
• Best Comprehensive Schengen Plan – Travel Medical Global Choice Strong medical & evacuation benefits
• Best Premium Schengen Coverage – Safe Travels International
• Pre-Existing Condition Coverage – Acute onset coverage available with Atlas International
• Looking for more options? – Compare all Schengen visa insurance plans for Chinese travelers in one place.

Is Schengen Travel Insurance Mandatory for Chinese Citizens?

Yes. Schengen travel insurance is mandatory for all Chinese citizens applying for a Schengen visa. Since Chinese passport holders require a visa to visit any of the 29 Schengen countries, they must show valid travel medical insurance during the visa application process.

At American Visitor Insurance, you can easily compare best Schengen visa insurance for Chinese citizens plans, buy online in minutes, and instantly download your visa-compliant insurance certificate.

Do Chinese Need Travel Insurance to Visit Schengen Countries?

Yes. Without valid Schengen travel insurance, the embassy will not accept your visa application. This applies to all short-stay (Type C) visa applicants from Chinese.

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.
• Medical Expense: 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.

Hassle-Free Schengen Visa Insurance Compliance for Travelers from China

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.

How Much Does Schengen Visa Insurance Cost for Chinese Citizens in 2026?

The cost of Schengen visa travel insurance for Chinese citizens depends mainly on two factors: the traveler’s age and the length of stay in Europe. Generally, older travelers pay more, and longer travel durations increase the insurance cost.

Using the Schengen visa insurance quote tool on American Visitor Insurance, Chinese travelers can instantly view and compare multiple travel medical insurance plans side-by-side. The results clearly display prices, coverage limits, and benefits, making it easy to choose the most affordable Schengen visa insurance for your Europe trip.

Europe Schengen travel insurance Cost

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 Schengen insurance visa letter immediately after purchase

Insurance Plans	Provider Network	Cost	How to download Schengen Visa letter
Atlas InternationalCheapest Plan	No PPO	$8	WorldTrips insurance ID cards via Client Zone
Patriot International LiteBest Plan	IPA Network	$10	IMG insurance ID cards from My IMG
Atlas International Premium	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 ®

Where Can Chinese Citizens Get the Best Schengen Visa Insurance for Europe?

American Visitor Insurance is a trusted marketplace for Schengen travel insurance for Chinese travelers, with over 20 years of experience helping travelers find visa-compliant coverage quickly and easily.

Why Chinese Travelers Choose American Visitor Insurance

• Side-by-Side Plan Comparison: Compare Schengen visa travel medical insurance plans, prices, and benefits from top international insurers all in one place. This makes it easy to choose the best and most affordable Schengen visa insurance for Europe.
• 100% Schengen Visa-Compliant Coverage: All listed plans meet European Schengen embassy and consulate requirements, including coverage for medical emergencies, hospitalization, accidents, emergency evacuation, repatriation, and unexpected illnesses during travel.
• Affordable & Transparent Pricing: Get competitive prices directly from insurance providers, with no hidden fees. Receive instant quotes and purchase your Europe Schengen visa insurance online quickly and securely.
• Expert Support for Chinese Applicants: Our licensed customer support team is available 24/7 to
  • Help you select the right Schengen visa insurance plan
  • Assist with online applications and instant visa letters
  • Support policy renewals or extensions
  • Help with cancellations if travel plans change
  • Guide you through insurance claims
• Peace of Mind While Traveling in Europe: Travel confidently across the Schengen Area, knowing your insurance meets visa requirements and protects you throughout your journey.

What Are the Schengen Visa Travel Insurance Requirements?

Chinese Travelers applying for a Schengen visa must purchase travel medical insurance that meets all of the following mandatory requirements:

• Minimum coverage of €30,000 for medical emergencies and hospitalization.
• Valid in all 29 Schengen countries without exception.
• Includes emergency medical evacuation and medical repatriation (returning the traveler to their home country if needed).
• Must cover the entire duration of the stay in the Schengen Area — no gaps in travel dates.
• Insurance must provide 100% cashless coverage with no deductible/excess.
• Policy must clearly mention the traveler’s name, coverage dates, and coverage limits.
• The insurance provider must be recognized and accepted by Schengen embassies/consulates.

American Visitor Insurance provides a visa letter instantly after purchase that meets all these requirements.

How Do I Get a Schengen Visa Insurance Letter for Travel from China to Europe?

Schengen visa travel insurance for Chinese passport holders traveling to Europe is easy to buy online and fully compliant with Schengen consulate requirements.

Things to Know Before Traveling from China to the Schengen Zone

Traveling from Chinese to Europe involves several essential requirements and practical tips that both first-time and frequent travelers should keep in mind. Ensuring you meet all Schengen guidelines helps avoid delays during visa processing and border checks.

1. Passport Validity Requirements

• Your Chinese passport must be valid for at least 3 months beyond your planned return date.
• It should contain at least two blank visa pages for entry and exit stamps.
• Expiring passports may lead to travel disruptions even with a valid visa.

2. Mandatory Schengen-Compliant Travel Insurance

• Travel insurance must cover at least €30,000 for medical emergencies, hospitalization, repatriation, and evacuation.
• This coverage is required for visa approval and may also be checked at Schengen border control.

3. Proof of Accommodation & Return Travel

• Carry hotel bookings, Airbnb confirmations, or an invitation letter from your host.
• A confirmed return or onward ticket is necessary to show your planned departure from the Schengen Zone.

4. Sufficient Financial Evidence

• Provide recent bank statements, sponsor letters, or proof of employment (such as payslips).
• Avoid sudden unexplained large deposits, as they may raise concerns during the visa review.

5. Double-Check Your Travel Dates

• Your travel insurance dates must match your flight booking dates.
• Mismatched dates are a common reason for visa delays or additional questioning.

6. ETIAS Launch Reminder

• Europe is gradually implementing the ETIAS pre-travel authorization system.
• Chinese travelers should ensure they have a biometric passport and keep track of ETIAS rollout updates.

7. Keep Printed & Digital Copies

• Carry both printed and digital copies of your visa, insurance certificate, itinerary, and hotel confirmations.
• This helps speed up airport checks and reduces travel interruptions.

Major Flight Routes from China to Europe

• Chinese travelers fly to Europe from five main airports which are located in Beijing, Shanghai, Guangzhou, Shenzhen, and Hong Kong.
• Direct flight routes become popular among travelers because they operate flights from major cities to six destinations which include London, Paris, Frankfurt, Amsterdam, Rome, and Milan through Air China, China Eastern, China Southern, Lufthansa, Air France, and British Airways.
• Many travelers choose to travel through one-stop connections which operate from major hubs because these hubs connect them to cities located throughout Western Europe and Central Europe and Southern Europe.

What Are the Types of Schengen Visas Available for Chinese Citizens?

Common Visa Mistakes & Required Documents for Chinese Travelers

Applying for a Schengen visa can be complex, and small mistakes may lead to delays or rejection. Here’s a guide to help Chinese travelers avoid common pitfalls:

Essential Documents:

• Valid Passport: Must be valid for at least three months beyond your intended departure from the Schengen Area.
• Completed Visa Application Form: Filled accurately and signed.
• Passport-Sized Photographs: Recent photos meeting Schengen photo requirements.
• Travel Medical Insurance: Minimum coverage of €30,000 for medical emergencies, hospitalization, and repatriation, valid in all Schengen countries for the full duration of your trip.
• Proof of Accommodation: Hotel bookings, rental agreements, or invitation letters from hosts.
• Flight Itinerary: Round-trip or onward travel reservation.
• Proof of Financial Means: Bank statements, salary slips, or sponsorship letters to show you can support yourself.
• Cover Letter / Travel Purpose: Brief explanation of your visit and travel plans.
• Visa Fees: Paid receipts for the application fee.

Common Schengen Visa Mistakes to Avoid:

Preparing complete and accurate documents is essential for a successful Schengen visa application. Avoid these common mistakes that often cause delays or rejection:

• Submitting an incomplete or unsigned visa application form.
• Providing travel insurance that does not meet the Schengen minimum coverage requirements or dates that do not match your travel.
• Using an invalid or expired passport.
• Not providing proof of accommodation or presenting inconsistent travel plans.
• Not showing sufficient financial proof to cover the trip.
• Ignoring embassy-specific requirements — each Schengen country may have minor variations.
• Applying too late — visa processing can take several weeks, especially during peak seasons.

By carefully preparing all documents and avoiding these common mistakes, Chinese travelers can improve their chances of a smooth and successful Schengen visa application.

How to Avoid Schengen Visa Rejection Due to Travel Insurance Issues?

To avoid delays or visa rejection, make sure your travel insurance fully complies with Schengen visa requirements. Many travelers applying from China experience delays or denials due to simple insurance-related issues that can easily be avoided.

Common insurance-related problems include:

• Insufficient coverage amount – Your policy must provide at least €30,000 in medical coverage.
• Incorrect policy dates – Your travel insurance must be valid for your entire stay, including arrival and departure from Schengen countries.
• Incomplete documentation – Your insurance certificate or visa letter must clearly confirm Schengen-compliant coverage.
• Limited country coverage – Your policy must be valid across all Schengen countries, not just one destination.

Choosing a Schengen-compliant travel medical insurance plan through American Visitor Insurance helps travelers from China meet all embassy requirements with confidence. Simply enter your age and travel dates, and our platform displays plans that satisfy Schengen visa rules including minimum medical coverage, emergency evacuation, and proper visa documentation — making your application process smooth, safe, and stress-free.

Travel health insurance from China to Europe, Chinese travel insurance - FAQ's